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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,729 | $52,279-50.8% | $89,435-71.2% | $79,856-67.8% |
| Participation rate | 32.5% | 57.5%-25.1pp | 68.0%-35.5pp | 69.6%-37.2pp |
| Annual return | 19.52% | 22.16%-2.6pp | 245.55%-226.0pp | 31.71%-12.2pp |
| Employer contribution / active EE | $1,368 | $1,572-13.0% | $2,587-47.1% | $2,471-44.6% |
| Participant deferral / active EE | $4,705 | $2,740+71.7% | $3,890+20.9% | $3,741+25.8% |
| Admin fee / account holder | $3,011 | $3,356-10.3% | $4,884-38.4% | $5,306-43.3% |