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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 | $51,426 | $109,904-53.2% | $97,167-47.1% | $145,959-64.8% |
| Participation rate | 58.3% | 75.9%-17.6pp | 72.7%-14.4pp | 80.3%-22.0pp |
| Annual return | 13.99% | 243.43%-229.4pp | 75.27%-61.3pp | 561.95%-548.0pp |
| Employer contribution / active EE | $1,406 | $3,084-54.4% | $2,729-48.5% | $4,661-69.8% |
| Participant deferral / active EE | $4,792 | $4,676+2.5% | $4,264+12.4% | $6,689-28.4% |
| Admin fee / account holder | $1,781 | $6,216-71.4% | $5,650-68.5% | $13,398-86.7% |