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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 | $31,420 | $45,123-30.4% | $85,240-63.1% | $74,478-57.8% |
| Participation rate | 32.0% | 49.4%-17.3pp | 67.5%-35.5pp | 67.2%-35.2pp |
| Annual return | 16.60% | 26.32%-9.7pp | 66.75%-50.2pp | 1370.56%-1354.0pp |
| Employer contribution / active EE | $1,741 | $1,459+19.4% | $2,735-36.3% | $2,626-33.7% |
| Participant deferral / active EE | $3,524 | $2,736+28.8% | $4,527-22.2% | $4,350-19.0% |
| Admin fee / account holder | $16,575 | $2,215+648.4% | $6,165+168.9% | $1,946+751.8% |