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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 | $71,552 | $105,210-32.0% | $159,487-55.1% | $85,851-16.7% |
| Participation rate | 40.7% | 75.8%-35.0pp | 82.8%-42.1pp | 69.3%-28.6pp |
| Annual return | 17.99% | 45.08%-27.1pp | 263.71%-245.7pp | 318.63%-300.6pp |
| Employer contribution / active EE | $1,591 | $3,319-52.1% | $4,831-67.1% | $2,565-38.0% |
| Participant deferral / active EE | $4,936 | $5,946-17.0% | $7,354-32.9% | $3,952+24.9% |
| Admin fee / account holder | $2,145 | $6,934-69.1% | $10,804-80.1% | $6,261-65.7% |