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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 | $54,396 | $49,897+9.0% | $80,648-32.6% | $75,177-27.6% |
| Participation rate | 47.9% | 55.3%-7.5pp | 67.0%-19.1pp | 67.2%-19.3pp |
| Annual return | 15.89% | 34.68%-18.8pp | 937.21%-921.3pp | 160.75%-144.9pp |
| Employer contribution / active EE | $1,372 | $1,699-19.2% | $2,724-49.6% | $2,671-48.6% |
| Participant deferral / active EE | $3,686 | $2,992+23.2% | $4,443-17.1% | $4,126-10.7% |
| Admin fee / account holder | $1,104 | $3,579-69.1% | $5,382-79.5% | $5,651-80.5% |