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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 | $38,554 | $82,133-53.1% | $147,318-73.8% | $64,097-39.9% |
| Participation rate | 59.9% | 62.3%-2.4pp | 82.1%-22.2pp | 55.2%+4.7pp |
| Annual return | 17.56% | 78.78%-61.2pp | 70.43%-52.9pp | 34.64%-17.1pp |
| Employer contribution / active EE | $1,517 | $2,872-47.2% | $4,593-67.0% | $1,891-19.8% |
| Participant deferral / active EE | $3,603 | $5,407-33.4% | $7,906-54.4% | $3,080+17.0% |
| Admin fee / account holder | $11,585 | $3,730+210.6% | $13,708-15.5% | $3,454+235.4% |