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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 | $52,724 | $102,429-48.5% | $147,096-64.2% | $80,925-34.8% |
| Participation rate | 51.4% | 75.9%-24.4pp | 82.2%-30.8pp | 67.7%-16.2pp |
| Annual return | 13.80% | 135.02%-121.2pp | 419.75%-406.0pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,692 | $3,716-54.5% | $4,936-65.7% | $2,756-38.6% |
| Participant deferral / active EE | $5,182 | $6,649-22.1% | $8,071-35.8% | $4,299+20.5% |
| Admin fee / account holder | $17,853 | $7,957+124.4% | $13,005+37.3% | $6,940+157.2% |