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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 | $70,688 | $65,555+7.8% | $86,216-18.0% | $75,173-6.0% |
| Participation rate | 32.5% | 60.5%-28.0pp | 69.0%-36.5pp | 67.2%-34.7pp |
| Annual return | 17.04% | 46.07%-29.0pp | 1169.42%-1152.4pp | 160.72%-143.7pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,445 | $3,023-19.1% | $3,986-38.7% | $4,126-40.8% |
| Admin fee / account holder | $8,539 | $5,469+56.1% | $6,853+24.6% | $5,651+51.1% |