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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 | $46,441 | $102,422-54.7% | $147,117-68.4% | $80,959-42.6% |
| Participation rate | 37.5% | 75.9%-38.4pp | 82.2%-44.7pp | 67.7%-30.2pp |
| Annual return | 17.79% | 135.16%-117.4pp | 420.54%-402.7pp | 35.67%-17.9pp |
| Employer contribution / active EE | $1,791 | $3,717-51.8% | $4,932-63.7% | $2,757-35.1% |
| Participant deferral / active EE | $4,264 | $6,652-35.9% | $8,065-47.1% | $4,300-0.8% |
| Admin fee / account holder | $12,983 | $7,953+63.2% | $12,993-0.1% | $6,925+87.5% |