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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 | $46,516 | $132,634-64.9% | $115,768-59.8% | $137,256-66.1% |
| Participation rate | 41.2% | 77.9%-36.7pp | 74.4%-33.2pp | 80.0%-38.8pp |
| Annual return | 13.81% | 160.70%-146.9pp | 100.46%-86.7pp | 220.34%-206.5pp |
| Employer contribution / active EE | $2,051 | $3,360-38.9% | $2,940-30.2% | $4,156-50.6% |
| Participant deferral / active EE | $4,337 | $5,619-22.8% | $4,917-11.8% | $6,407-32.3% |
| Admin fee / account holder | $24,411 | $15,028+62.4% | $12,439+96.2% | $12,270+98.9% |