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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 | $58,844 | $102,385-42.5% | $147,080-60.0% | $80,935-27.3% |
| Participation rate | 44.1% | 75.9%-31.8pp | 82.2%-38.1pp | 67.7%-23.5pp |
| Annual return | 12.90% | 135.09%-122.2pp | 420.17%-407.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,413 | $3,717-62.0% | $4,933-71.4% | $2,757-48.7% |
| Participant deferral / active EE | $3,000 | $6,651-54.9% | $8,066-62.8% | $4,299-30.2% |
| Admin fee / account holder | $15,926 | $7,951+100.3% | $12,989+22.6% | $6,924+130.0% |