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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 | $49,743 | $105,200-52.7% | $159,474-68.8% | $85,847-42.1% |
| Participation rate | 44.6% | 75.8%-31.2pp | 82.8%-38.2pp | 69.3%-24.7pp |
| Annual return | 14.96% | 45.08%-30.1pp | 263.68%-248.7pp | 318.61%-303.6pp |
| Employer contribution / active EE | $1,344 | $3,319-59.5% | $4,831-72.2% | $2,565-47.6% |
| Participant deferral / active EE | $5,136 | $5,946-13.6% | $7,353-30.2% | $3,952+30.0% |
| Admin fee / account holder | $3,706 | $6,934-46.6% | $10,802-65.7% | $6,261-40.8% |