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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 | $53,103 | $112,131-52.6% | $95,964-44.7% | $158,982-66.6% |
| Participation rate | 18.2% | 79.0%-60.8pp | 77.1%-58.9pp | 82.0%-63.8pp |
| Annual return | 24.01% | 171.19%-147.2pp | 91.64%-67.6pp | 302.99%-279.0pp |
| Employer contribution / active EE | $1,375 | $3,199-57.0% | $2,541-45.9% | $4,763-71.1% |
| Participant deferral / active EE | $2,729 | $4,784-43.0% | $4,167-34.5% | $5,983-54.4% |
| Admin fee / account holder | $26,085 | $10,136+157.3% | $6,797+283.8% | $11,252+131.8% |