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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 | $39,498 | $58,888-32.9% | $178,499-77.9% | $73,493-46.3% |
| Participation rate | 46.7% | 66.2%-19.5pp | 81.9%-35.2pp | 70.7%-24.0pp |
| Annual return | 19.07% | 24.86%-5.8pp | 151.10%-132.0pp | 28.51%-9.4pp |
| Employer contribution / active EE | $1,380 | $2,236-38.3% | $5,011-72.5% | $2,270-39.2% |
| Participant deferral / active EE | $3,537 | $2,568+37.7% | $5,202-32.0% | $3,740-5.4% |
| Admin fee / account holder | $623 | $400+55.7% | $13,986-95.5% | $513+21.5% |