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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 | $39,997 | $165,939-75.9% | $122,354-67.3% | $147,585-72.9% |
| Participation rate | 47.1% | 79.6%-32.5pp | 71.6%-24.6pp | 82.8%-35.8pp |
| Annual return | 12.86% | 34.56%-21.7pp | 30.28%-17.4pp | 578.58%-565.7pp |
| Employer contribution / active EE | $681 | $5,754-88.2% | $4,051-83.2% | $4,876-86.0% |
| Participant deferral / active EE | $2,225 | $4,005-44.4% | $3,287-32.3% | $5,439-59.1% |
| Admin fee / account holder | $29,695 | $7,425+300.0% | $5,479+442.0% | $10,886+172.8% |