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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 | $56,522 | $118,877-52.5% | $96,570-41.5% | $167,536-66.3% |
| Participation rate | 37.5% | 75.5%-38.0pp | 69.8%-32.3pp | 82.1%-44.6pp |
| Annual return | 20.71% | 50.50%-29.8pp | 37.79%-17.1pp | 478.82%-458.1pp |
| Employer contribution / active EE | $1,608 | $3,121-48.5% | $2,357-31.8% | $4,839-66.8% |
| Participant deferral / active EE | $5,234 | $4,617+13.4% | $3,849+36.0% | $6,342-17.5% |
| Admin fee / account holder | $2,079 | $8,069-74.2% | $6,182-66.4% | $12,315-83.1% |