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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 | $42,015 | $85,171-50.7% | $172,753-75.7% | $72,976-42.4% |
| Participation rate | 41.2% | 70.1%-28.9pp | 82.6%-41.5pp | 69.5%-28.3pp |
| Annual return | 19.04% | 27.32%-8.3pp | 803.00%-784.0pp | 81.02%-62.0pp |
| Employer contribution / active EE | $1,023 | $3,324-69.2% | $5,144-80.1% | $2,440-58.1% |
| Participant deferral / active EE | $3,056 | $3,260-6.2% | $5,198-41.2% | $3,608-15.3% |
| Admin fee / account holder | $8,070 | $5,880+37.2% | $13,956-42.2% | $5,124+57.5% |