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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 | $38,311 | $56,134-31.8% | $96,171-60.2% | $85,847-55.4% |
| Participation rate | 50.0% | 56.7%-6.7pp | 68.4%-18.4pp | 69.3%-19.3pp |
| Annual return | 14.56% | 42.30%-27.7pp | 192.04%-177.5pp | 318.61%-304.0pp |
| Employer contribution / active EE | $1,528 | $1,620-5.7% | $2,799-45.4% | $2,565-40.5% |
| Participant deferral / active EE | $3,048 | $2,858+6.7% | $4,350-29.9% | $3,952-22.9% |
| Admin fee / account holder | $1,739 | $3,769-53.9% | $5,538-68.6% | $6,261-72.2% |