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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 | $38,346 | $105,200-63.5% | $159,474-76.0% | $85,847-55.3% |
| Participation rate | 69.2% | 75.8%-6.5pp | 82.8%-13.6pp | 69.3%-0.1pp |
| Annual return | 14.17% | 45.08%-30.9pp | 263.68%-249.5pp | 318.61%-304.4pp |
| Employer contribution / active EE | $2,285 | $3,319-31.2% | $4,831-52.7% | $2,565-10.9% |
| Participant deferral / active EE | $4,069 | $5,946-31.6% | $7,353-44.7% | $3,952+3.0% |
| Admin fee / account holder | $9,044 | $6,934+30.4% | $10,802-16.3% | $6,261+44.5% |