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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 | $38,640 | $111,535-65.4% | $105,223-63.3% | $137,256-71.8% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 80.0%-22.8pp |
| Annual return | 23.64% | 237.85%-214.2pp | 180.65%-157.0pp | 220.34%-196.7pp |
| Employer contribution / active EE | $1,773 | $3,939-55.0% | $3,689-51.9% | $4,156-57.3% |
| Participant deferral / active EE | $5,290 | $5,500-3.8% | $5,072+4.3% | $6,407-17.4% |
| Admin fee / account holder | $32,560 | $9,721+234.9% | $8,859+267.5% | $12,270+165.4% |