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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 | $35,939 | $124,351-71.1% | $109,188-67.1% | $167,553-78.6% |
| Participation rate | 46.2% | 79.4%-33.3pp | 75.9%-29.7pp | 82.1%-36.0pp |
| Annual return | 16.92% | 26.04%-9.1pp | 25.76%-8.8pp | 478.89%-462.0pp |
| Employer contribution / active EE | $1,447 | $4,210-65.6% | $3,723-61.1% | $4,840-70.1% |
| Participant deferral / active EE | $4,602 | $5,257-12.4% | $4,654-1.1% | $6,343-27.4% |
| Admin fee / account holder | $502 | $7,975-93.7% | $6,755-92.6% | $12,316-95.9% |