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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 | $34,853 | $77,908-55.3% | $149,696-76.7% | $75,173-53.6% |
| Participation rate | 45.9% | 65.6%-19.7pp | 78.8%-32.9pp | 67.2%-21.3pp |
| Annual return | 19.67% | 31.73%-12.1pp | 134.46%-114.8pp | 160.72%-141.0pp |
| Employer contribution / active EE | $995 | $3,138-68.3% | $4,821-79.4% | $2,671-62.7% |
| Participant deferral / active EE | $2,504 | $3,411-26.6% | $5,682-55.9% | $4,126-39.3% |
| Admin fee / account holder | $3,129 | $5,950-47.4% | $13,212-76.3% | $5,651-44.6% |