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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 | $40,956 | $65,364-37.3% | $92,909-55.9% | $72,975-43.9% |
| Participation rate | 54.8% | 68.3%-13.5pp | 76.0%-21.2pp | 69.5%-14.7pp |
| Annual return | 67.17% | 42.11%+25.1pp | 109.44%-42.3pp | 81.01%-13.8pp |
| Employer contribution / active EE | $1,179 | $2,594-54.6% | $3,653-67.7% | $2,440-51.7% |
| Participant deferral / active EE | $2,455 | $3,128-21.5% | $4,238-42.1% | $3,608-32.0% |
| Admin fee / account holder | $21,772 | $4,251+412.1% | $5,795+275.7% | $5,124+324.9% |