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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 | $38,377 | $102,429-62.5% | $147,096-73.9% | $80,925-52.6% |
| Participation rate | 45.5% | 75.9%-30.4pp | 82.2%-36.7pp | 67.7%-22.2pp |
| Annual return | 13.46% | 135.02%-121.6pp | 419.75%-406.3pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,115 | $3,716-70.0% | $4,936-77.4% | $2,756-59.6% |
| Participant deferral / active EE | $3,566 | $6,649-46.4% | $8,071-55.8% | $4,299-17.1% |
| Admin fee / account holder | $1,745 | $7,957-78.1% | $13,005-86.6% | $6,940-74.9% |