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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 | $43,779 | $136,214-67.9% | $98,775-55.7% | $167,536-73.9% |
| Participation rate | 15.8% | 70.2%-54.4pp | 65.7%-49.9pp | 82.1%-66.3pp |
| Annual return | 18.81% | 67.53%-48.7pp | 49.92%-31.1pp | 478.82%-460.0pp |
| Employer contribution / active EE | $1,052 | $2,631-60.0% | $2,067-49.1% | $4,839-78.3% |
| Participant deferral / active EE | $1,601 | $3,716-56.9% | $3,035-47.2% | $6,342-74.8% |
| Admin fee / account holder | $635 | $5,031-87.4% | $4,076-84.4% | $12,315-94.8% |