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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 | $55,691 | $114,130-51.2% | $96,192-42.1% | $167,553-66.8% |
| Participation rate | 42.9% | 75.1%-32.2pp | 68.4%-25.6pp | 82.1%-39.3pp |
| Annual return | 12.80% | 190.07%-177.3pp | 192.09%-179.3pp | 478.89%-466.1pp |
| Employer contribution / active EE | $1,641 | $3,431-52.2% | $2,799-41.4% | $4,840-66.1% |
| Participant deferral / active EE | $3,582 | $5,198-31.1% | $4,351-17.7% | $6,343-43.5% |
| Admin fee / account holder | $25,993 | $6,901+276.6% | $5,539+369.2% | $12,316+111.0% |