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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 | $17,586 | $56,134-68.7% | $96,161-81.7% | $85,856-79.5% |
| Participation rate | 17.9% | 56.7%-38.9pp | 68.4%-50.6pp | 69.3%-51.5pp |
| Annual return | 19.36% | 42.30%-22.9pp | 192.01%-172.6pp | 318.58%-299.2pp |
| Employer contribution / active EE | $1,442 | $1,620-11.0% | $2,798-48.5% | $2,565-43.8% |
| Participant deferral / active EE | $2,416 | $2,858-15.4% | $4,349-44.4% | $3,952-38.9% |
| Admin fee / account holder | $2,887 | $3,769-23.4% | $5,538-47.9% | $6,261-53.9% |