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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 | $56,494 | $102,422-44.8% | $147,117-61.6% | $80,959-30.2% |
| Participation rate | 52.9% | 75.9%-22.9pp | 82.2%-29.2pp | 67.7%-14.7pp |
| Annual return | 23.95% | 135.16%-111.2pp | 420.54%-396.6pp | 35.67%-11.7pp |
| Employer contribution / active EE | $3,354 | $3,717-9.8% | $4,932-32.0% | $2,757+21.6% |
| Participant deferral / active EE | $6,036 | $6,652-9.3% | $8,065-25.2% | $4,300+40.4% |
| Admin fee / account holder | $2,667 | $7,953-66.5% | $12,993-79.5% | $6,925-61.5% |