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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 | $80,442 | $102,429-21.5% | $147,096-45.3% | $80,925-0.6% |
| Participation rate | 49.4% | 75.9%-26.5pp | 82.2%-32.8pp | 67.7%-18.3pp |
| Annual return | 22.74% | 135.02%-112.3pp | 419.75%-397.0pp | 35.65%-12.9pp |
| Employer contribution / active EE | $1,756 | $3,716-52.7% | $4,936-64.4% | $2,756-36.3% |
| Participant deferral / active EE | $6,438 | $6,649-3.2% | $8,071-20.2% | $4,299+49.8% |
| Admin fee / account holder | $12,603 | $7,957+58.4% | $13,005-3.1% | $6,940+81.6% |