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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 | $49,640 | $56,134-11.6% | $96,192-48.4% | $85,851-42.2% |
| Participation rate | 32.9% | 56.7%-23.8pp | 68.4%-35.6pp | 69.3%-36.4pp |
| Annual return | 18.51% | 42.30%-23.8pp | 192.09%-173.6pp | 318.63%-300.1pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $2,799-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,068 | $2,858+42.4% | $4,351-6.5% | $3,952+2.9% |
| Admin fee / account holder | $2,376 | $3,769-37.0% | $5,539-57.1% | $6,261-62.0% |