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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 | $39,789 | $150,412-73.5% | $120,574-67.0% | $145,884-72.7% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 11.21% | 154.50%-143.3pp | 107.42%-96.2pp | 551.85%-540.6pp |
| Employer contribution / active EE | $1,454 | $4,355-66.6% | $3,471-58.1% | $4,662-68.8% |
| Participant deferral / active EE | $3,495 | $6,175-43.4% | $4,996-30.1% | $6,690-47.8% |
| Admin fee / account holder | $2,859 | $12,224-76.6% | $9,445-69.7% | $13,392-78.6% |