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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 | $49,089 | $77,908-37.0% | $149,696-67.2% | $75,173-34.7% |
| Participation rate | 39.5% | 65.6%-26.0pp | 78.8%-39.2pp | 67.2%-27.7pp |
| Annual return | 19.67% | 31.73%-12.1pp | 134.46%-114.8pp | 160.72%-141.0pp |
| Employer contribution / active EE | $924 | $3,138-70.5% | $4,821-80.8% | $2,671-65.4% |
| Participant deferral / active EE | $3,000 | $3,411-12.0% | $5,682-47.2% | $4,126-27.3% |
| Admin fee / account holder | $1,352 | $5,950-77.3% | $13,212-89.8% | $5,651-76.1% |