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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 | $53,308 | $88,186-39.6% | $165,071-67.7% | $74,459-28.4% |
| Participation rate | 68.5% | 73.1%-4.7pp | 78.6%-10.2pp | 67.2%+1.2pp |
| Annual return | 14.72% | 17.13%-2.4pp | 70.17%-55.4pp | 1369.70%-1355.0pp |
| Employer contribution / active EE | $1,152 | $2,600-55.7% | $4,347-73.5% | $2,626-56.1% |
| Participant deferral / active EE | $4,129 | $4,505-8.3% | $6,035-31.6% | $4,350-5.1% |
| Admin fee / account holder | $6,409 | $2,234+186.9% | $12,695-49.5% | $1,945+229.6% |