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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 | $37,982 | $47,479-20.0% | $62,929-39.6% | $82,448-53.9% |
| Participation rate | 59.2% | 66.9%-7.7pp | 73.1%-13.9pp | 68.1%-8.9pp |
| Annual return | 15.77% | 20.34%-4.6pp | 1063.93%-1048.2pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,492 | $1,885-20.9% | $2,505-40.4% | $2,551-41.5% |
| Participant deferral / active EE | $3,802 | $2,870+32.5% | $3,888-2.2% | $4,139-8.1% |
| Admin fee / account holder | $4,130 | $3,804+8.6% | $5,065-18.5% | $7,234-42.9% |