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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 | $48,126 | $85,171-43.5% | $172,753-72.1% | $72,976-34.1% |
| Participation rate | 61.5% | 70.1%-8.5pp | 82.6%-21.1pp | 69.5%-8.0pp |
| Annual return | 21.06% | 27.32%-6.3pp | 803.00%-781.9pp | 81.02%-60.0pp |
| Employer contribution / active EE | $1,271 | $3,324-61.8% | $5,144-75.3% | $2,440-47.9% |
| Participant deferral / active EE | $2,651 | $3,260-18.7% | $5,198-49.0% | $3,608-26.5% |
| Admin fee / account holder | $6,534 | $5,880+11.1% | $13,956-53.2% | $5,124+27.5% |