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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 | $65,334 | $77,638-15.8% | $156,551-58.3% | $62,881+3.9% |
| Participation rate | 56.4% | 71.2%-14.8pp | 84.0%-27.6pp | 69.3%-12.9pp |
| Annual return | 4.70% | 50.33%-45.6pp | 32.23%-27.5pp | 20.14%-15.4pp |
| Employer contribution / active EE | $1,321 | $3,444-61.6% | $5,501-76.0% | $2,281-42.1% |
| Participant deferral / active EE | $1,865 | $3,046-38.8% | $4,871-61.7% | $3,203-41.8% |
| Admin fee / account holder | $15,117 | $5,561+171.8% | $13,028+16.0% | $4,296+251.9% |