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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 | $19,251 | $51,638-62.7% | $68,368-71.8% | $82,448-76.7% |
| Participation rate | 48.6% | 63.6%-15.0pp | 73.8%-25.2pp | 68.1%-19.5pp |
| Annual return | 22.42% | 37.53%-15.1pp | 292.57%-270.2pp | 41.64%-19.2pp |
| Employer contribution / active EE | $1,640 | $2,047-19.9% | $2,649-38.1% | $2,551-35.7% |
| Participant deferral / active EE | $2,319 | $2,914-20.4% | $4,123-43.7% | $4,139-44.0% |
| Admin fee / account holder | $2,357 | $4,643-49.2% | $5,150-54.2% | $7,234-67.4% |