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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 | $60,540 | $88,672-31.7% | $105,223-42.5% | $82,448-26.6% |
| Participation rate | 37.6% | 67.9%-30.3pp | 75.0%-37.4pp | 68.1%-30.4pp |
| Annual return | 21.43% | 30.86%-9.4pp | 180.65%-159.2pp | 41.64%-20.2pp |
| Employer contribution / active EE | $1,312 | $3,048-57.0% | $3,689-64.4% | $2,551-48.6% |
| Participant deferral / active EE | $2,209 | $4,036-45.3% | $5,072-56.4% | $4,139-46.6% |
| Admin fee / account holder | $6,326 | $7,146-11.5% | $8,859-28.6% | $7,234-12.6% |