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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 | $46,116 | $106,918-56.9% | $84,021-45.1% | $152,897-69.8% |
| Participation rate | 44.4% | 75.2%-30.8pp | 69.0%-24.6pp | 82.5%-38.0pp |
| Annual return | 15.05% | 105.01%-90.0pp | 71.32%-56.3pp | 345.43%-330.4pp |
| Employer contribution / active EE | $1,189 | $2,735-56.5% | $1,984-40.1% | $4,764-75.0% |
| Participant deferral / active EE | $4,479 | $4,012+11.6% | $3,239+38.3% | $5,851-23.5% |
| Admin fee / account holder | $17,810 | $8,288+114.9% | $6,102+191.9% | $11,599+53.5% |