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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 | $37,998 | $39,028-2.6% | $80,741-52.9% | $85,847-55.7% |
| Participation rate | 22.0% | 41.6%-19.6pp | 54.2%-32.2pp | 69.3%-47.4pp |
| Annual return | 19.39% | 26.31%-6.9pp | 87.30%-67.9pp | 318.61%-299.2pp |
| Employer contribution / active EE | $578 | $722-20.0% | $1,160-50.2% | $2,565-77.5% |
| Participant deferral / active EE | $1,682 | $1,326+26.8% | $2,145-21.6% | $3,952-57.5% |
| Admin fee / account holder | $3,476 | $2,429+43.1% | $3,380+2.8% | $6,261-44.5% |