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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 | $42,450 | $80,332-47.2% | $107,187-60.4% | $64,097-33.8% |
| Participation rate | 43.7% | 54.4%-10.7pp | 75.0%-31.3pp | 55.2%-11.5pp |
| Annual return | 13.71% | 24.26%-10.5pp | 204.55%-190.8pp | 34.64%-20.9pp |
| Employer contribution / active EE | $1,146 | $2,501-54.2% | $3,782-69.7% | $1,891-39.4% |
| Participant deferral / active EE | $1,797 | $3,109-42.2% | $5,096-64.7% | $3,080-41.7% |
| Admin fee / account holder | $12,265 | $4,314+184.3% | $9,162+33.9% | $3,454+255.0% |