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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 | $47,986 | $49,897-3.8% | $80,648-40.5% | $75,177-36.2% |
| Participation rate | 46.9% | 55.3%-8.5pp | 67.0%-20.1pp | 67.2%-20.3pp |
| Annual return | 26.45% | 34.68%-8.2pp | 937.21%-910.8pp | 160.75%-134.3pp |
| Employer contribution / active EE | $1,219 | $1,699-28.2% | $2,724-55.2% | $2,671-54.4% |
| Participant deferral / active EE | $4,178 | $2,992+39.6% | $4,443-6.0% | $4,126+1.3% |
| Admin fee / account holder | $3,497 | $3,579-2.3% | $5,382-35.0% | $5,651-38.1% |