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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 | $42,247 | $49,897-15.3% | $80,648-47.6% | $75,177-43.8% |
| Participation rate | 52.8% | 55.3%-2.6pp | 67.0%-14.2pp | 67.2%-14.4pp |
| Annual return | 15.32% | 34.68%-19.4pp | 937.21%-921.9pp | 160.75%-145.4pp |
| Employer contribution / active EE | $1,583 | $1,699-6.8% | $2,724-41.9% | $2,671-40.7% |
| Participant deferral / active EE | $3,605 | $2,992+20.5% | $4,443-18.9% | $4,126-12.6% |
| Admin fee / account holder | $13,512 | $3,579+277.6% | $5,382+151.1% | $5,651+139.1% |