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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 | $81,717 | $124,330-34.3% | $109,173-25.1% | $167,536-51.2% |
| Participation rate | 35.7% | 79.5%-43.7pp | 75.9%-40.2pp | 82.1%-46.4pp |
| Annual return | 20.39% | 26.04%-5.7pp | 25.75%-5.4pp | 478.82%-458.4pp |
| Employer contribution / active EE | $2,018 | $4,209-52.0% | $3,723-45.8% | $4,839-58.3% |
| Participant deferral / active EE | $4,880 | $5,256-7.2% | $4,654+4.9% | $6,342-23.1% |
| Admin fee / account holder | $4,470 | $7,974-43.9% | $6,755-33.8% | $12,315-63.7% |