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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 | $38,297 | $85,766-55.3% | $136,298-71.9% | $70,126-45.4% |
| Participation rate | 67.6% | 74.2%-6.5pp | 81.9%-14.3pp | 69.5%-1.9pp |
| Annual return | 15.52% | 31.46%-15.9pp | 5156.27%-5140.7pp | 73.15%-57.6pp |
| Employer contribution / active EE | $2,653 | $2,966-10.5% | $4,696-43.5% | $2,343+13.3% |
| Participant deferral / active EE | $4,262 | $5,051-15.6% | $6,247-31.8% | $3,332+27.9% |
| Admin fee / account holder | $10,447 | $5,421+92.7% | $9,244+13.0% | $4,645+124.9% |