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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 | $49,972 | $171,272-70.8% | $127,803-60.9% | $152,897-67.3% |
| Participation rate | 60.0% | 83.5%-23.5pp | 79.0%-19.0pp | 82.5%-22.5pp |
| Annual return | 13.05% | 23.54%-10.5pp | 26.14%-13.1pp | 345.43%-332.4pp |
| Employer contribution / active EE | $2,369 | $5,451-56.5% | $4,576-48.2% | $4,764-50.3% |
| Participant deferral / active EE | $3,570 | $7,043-49.3% | $6,023-40.7% | $5,851-39.0% |
| Admin fee / account holder | $39,311 | $14,540+170.4% | $9,399+318.3% | $11,599+238.9% |