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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 | $44,286 | $102,393-56.7% | $147,041-69.9% | $80,911-45.3% |
| Participation rate | 59.2% | 75.9%-16.7pp | 82.2%-23.0pp | 67.6%-8.5pp |
| Annual return | 12.90% | 134.95%-122.0pp | 419.21%-406.3pp | 35.63%-22.7pp |
| Employer contribution / active EE | $2,434 | $3,715-34.5% | $4,935-50.7% | $2,756-11.7% |
| Participant deferral / active EE | $7,616 | $6,647+14.6% | $8,071-5.6% | $4,297+77.2% |
| Admin fee / account holder | $12,578 | $7,943+58.3% | $13,006-3.3% | $6,935+81.4% |