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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 | $36,114 | $105,198-65.7% | $159,455-77.4% | $85,856-57.9% |
| Participation rate | 48.4% | 75.8%-27.4pp | 82.8%-34.4pp | 69.3%-20.9pp |
| Annual return | 14.34% | 45.08%-30.7pp | 263.63%-249.3pp | 318.58%-304.2pp |
| Employer contribution / active EE | $2,013 | $3,319-39.3% | $4,830-58.3% | $2,565-21.5% |
| Participant deferral / active EE | $3,579 | $5,946-39.8% | $7,353-51.3% | $3,952-9.4% |
| Admin fee / account holder | $10,063 | $6,934+45.1% | $10,800-6.8% | $6,261+60.7% |