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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 | $53,217 | $49,976+6.5% | $66,674-20.2% | $82,637-35.6% |
| Participation rate | 33.3% | 63.1%-29.8pp | 73.7%-40.3pp | 68.1%-34.7pp |
| Annual return | 19.42% | 39.09%-19.7pp | 321.24%-301.8pp | 53.51%-34.1pp |
| Employer contribution / active EE | $950 | $1,988-52.2% | $2,620-63.8% | $2,552-62.8% |
| Participant deferral / active EE | $1,537 | $2,847-46.0% | $4,084-62.4% | $4,126-62.8% |
| Admin fee / account holder | $363 | $4,594-92.1% | $5,098-92.9% | $7,339-95.1% |