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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 | $49,976-20.0% | $66,674-40.0% | $82,637-51.6% |
| Participation rate | 37.7% | 63.1%-25.4pp | 73.7%-35.9pp | 68.1%-30.3pp |
| Annual return | 24.03% | 39.09%-15.1pp | 321.24%-297.2pp | 53.51%-29.5pp |
| Employer contribution / active EE | $1,045 | $1,988-47.5% | $2,620-60.1% | $2,552-59.1% |
| Participant deferral / active EE | $2,020 | $2,847-29.0% | $4,084-50.5% | $4,126-51.1% |
| Admin fee / account holder | $1,560 | $4,594-66.0% | $5,098-69.4% | $7,339-78.7% |