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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 | $64,600 | $77,920-17.1% | $149,723-56.9% | $75,177-14.1% |
| Participation rate | 53.1% | 65.6%-12.5pp | 78.8%-25.7pp | 67.2%-14.1pp |
| Annual return | 17.92% | 31.72%-13.8pp | 134.50%-116.6pp | 160.75%-142.8pp |
| Employer contribution / active EE | $10,712 | $3,138+241.3% | $4,821+122.2% | $2,671+301.0% |
| Participant deferral / active EE | $3,822 | $3,411+12.0% | $5,682-32.7% | $4,126-7.4% |
| Admin fee / account holder | $13,628 | $5,951+129.0% | $13,215+3.1% | $5,651+141.1% |