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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 | $43,745 | $63,346-30.9% | $92,240-52.6% | $70,126-37.6% |
| Participation rate | 46.0% | 68.7%-22.7pp | 76.5%-30.5pp | 69.5%-23.5pp |
| Annual return | 19.32% | 530.19%-510.9pp | 176.29%-157.0pp | 73.15%-53.8pp |
| Employer contribution / active EE | $1,501 | $2,471-39.3% | $3,680-59.2% | $2,343-35.9% |
| Participant deferral / active EE | $3,045 | $2,854+6.7% | $3,897-21.9% | $3,332-8.6% |
| Admin fee / account holder | $3,277 | $3,841-14.7% | $5,194-36.9% | $4,645-29.5% |