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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 | $38,151 | $65,566-41.8% | $86,235-55.8% | $75,177-49.3% |
| Participation rate | 51.1% | 60.5%-9.4pp | 69.0%-17.9pp | 67.2%-16.1pp |
| Annual return | 12.97% | 46.07%-33.1pp | 1170.03%-1157.1pp | 160.75%-147.8pp |
| Employer contribution / active EE | $957 | $1,553-38.4% | $2,381-59.8% | $2,671-64.2% |
| Participant deferral / active EE | $3,644 | $3,023+20.5% | $3,987-8.6% | $4,126-11.7% |
| Admin fee / account holder | $1,662 | $5,470-69.6% | $6,856-75.8% | $5,651-70.6% |