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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 | $42,311 | $49,976-15.3% | $66,674-36.5% | $82,637-48.8% |
| Participation rate | 47.8% | 63.1%-15.3pp | 73.7%-25.8pp | 68.1%-20.2pp |
| Annual return | 27.31% | 39.09%-11.8pp | 321.24%-293.9pp | 53.51%-26.2pp |
| Employer contribution / active EE | $970 | $1,988-51.2% | $2,620-63.0% | $2,552-62.0% |
| Participant deferral / active EE | $3,871 | $2,847+36.0% | $4,084-5.2% | $4,126-6.2% |
| Admin fee / account holder | $8,853 | $4,594+92.7% | $5,098+73.7% | $7,339+20.6% |