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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 | $65,984 | $102,429-35.6% | $147,096-55.1% | $80,925-18.5% |
| Participation rate | 61.8% | 75.9%-14.1pp | 82.2%-20.4pp | 67.7%-5.9pp |
| Annual return | 12.59% | 135.02%-122.4pp | 419.75%-407.2pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,996 | $3,716-46.3% | $4,936-59.6% | $2,756-27.6% |
| Participant deferral / active EE | $5,587 | $6,649-16.0% | $8,071-30.8% | $4,299+30.0% |
| Admin fee / account holder | $19,658 | $7,957+147.1% | $13,005+51.2% | $6,940+183.2% |