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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 | $56,233 | $90,486-37.9% | $78,676-28.5% | $273,972-79.5% |
| Participation rate | 47.8% | 76.5%-28.7pp | 73.6%-25.7pp | 83.0%-35.2pp |
| Annual return | 4.44% | 75.62%-71.2pp | 62.19%-57.8pp | 41.46%-37.0pp |
| Employer contribution / active EE | $1,156 | $3,175-63.6% | $2,850-59.4% | $4,869-76.3% |
| Participant deferral / active EE | $1,643 | $3,901-57.9% | $3,517-53.3% | $5,287-68.9% |
| Admin fee / account holder | $20,714 | $5,263+293.6% | $4,510+359.3% | $10,133+104.4% |