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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 | $44,355 | $95,383-53.5% | $185,837-76.1% | $85,856-48.3% |
| Participation rate | 55.2% | 68.8%-13.6pp | 81.7%-26.5pp | 69.3%-14.1pp |
| Annual return | 16.85% | 23.59%-6.7pp | 122.08%-105.2pp | 318.58%-301.7pp |
| Employer contribution / active EE | $1,934 | $3,313-41.6% | $5,168-62.6% | $2,565-24.6% |
| Participant deferral / active EE | $4,942 | $3,423+44.4% | $5,568-11.2% | $3,952+25.1% |
| Admin fee / account holder | $16,532 | $7,213+129.2% | $16,241+1.8% | $6,261+164.1% |