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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 | $52,577 | $105,200-50.0% | $159,474-67.0% | $85,847-38.8% |
| Participation rate | 57.1% | 75.8%-18.6pp | 82.8%-25.7pp | 69.3%-12.2pp |
| Annual return | 16.30% | 45.08%-28.8pp | 263.68%-247.4pp | 318.61%-302.3pp |
| Employer contribution / active EE | $1,374 | $3,319-58.6% | $4,831-71.6% | $2,565-46.5% |
| Participant deferral / active EE | $5,129 | $5,946-13.7% | $7,353-30.2% | $3,952+29.8% |
| Admin fee / account holder | $3,791 | $6,934-45.3% | $10,802-64.9% | $6,261-39.4% |