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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 | $39,996 | $61,125-34.6% | $94,057-57.5% | $87,485-54.3% |
| Participation rate | 37.7% | 64.1%-26.3pp | 73.3%-35.6pp | 68.9%-31.2pp |
| Annual return | 24.03% | 35.20%-11.2pp | 480.62%-456.6pp | 26.06%-2.0pp |
| Employer contribution / active EE | $1,045 | $2,136-51.1% | $2,933-64.4% | $2,596-59.8% |
| Participant deferral / active EE | $2,020 | $3,260-38.0% | $4,709-57.1% | $4,274-52.7% |
| Admin fee / account holder | $1,560 | $5,629-72.3% | $7,244-78.5% | $7,775-79.9% |