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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 | $62,361 | $102,429-39.1% | $147,096-57.6% | $80,925-22.9% |
| Participation rate | 63.9% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 15.45% | 135.02%-119.6pp | 419.75%-404.3pp | 35.65%-20.2pp |
| Employer contribution / active EE | $2,562 | $3,716-31.1% | $4,936-48.1% | $2,756-7.1% |
| Participant deferral / active EE | $5,828 | $6,649-12.3% | $8,071-27.8% | $4,299+35.6% |
| Admin fee / account holder | $10,021 | $7,957+25.9% | $13,005-22.9% | $6,940+44.4% |