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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 | $32,465 | $49,896-34.9% | $80,627-59.7% | $75,173-56.8% |
| Participation rate | 38.5% | 55.3%-16.9pp | 67.0%-28.6pp | 67.2%-28.7pp |
| Annual return | 20.64% | 34.67%-14.0pp | 936.76%-916.1pp | 160.72%-140.1pp |
| Employer contribution / active EE | $1,736 | $1,699+2.2% | $2,723-36.2% | $2,671-35.0% |
| Participant deferral / active EE | $4,076 | $2,992+36.3% | $4,443-8.3% | $4,126-1.2% |
| Admin fee / account holder | $4,427 | $3,578+23.7% | $5,381-17.7% | $5,651-21.7% |