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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 | $49,335 | $64,705-23.8% | $62,929-21.6% | $67,986-27.4% |
| Participation rate | 38.7% | 65.6%-26.9pp | 73.1%-34.4pp | 57.2%-18.5pp |
| Annual return | 23.63% | 20.31%+3.3pp | 1063.93%-1040.3pp | 31.67%-8.0pp |
| Employer contribution / active EE | $0 | $2,376-100.0% | $2,505-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,629 | $3,198-17.8% | $3,888-32.4% | $3,358-21.7% |
| Admin fee / account holder | $9,241 | $1,428+547.1% | $5,065+82.5% | $3,203+188.5% |