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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 | $46,121 | $56,431-18.3% | $130,788-64.7% | $87,485-47.3% |
| Participation rate | 37.8% | 58.9%-21.2pp | 70.1%-32.3pp | 68.9%-31.2pp |
| Annual return | 13.70% | 91.27%-77.6pp | 386.44%-372.7pp | 26.06%-12.4pp |
| Employer contribution / active EE | $1,513 | $1,549-2.3% | $3,558-57.5% | $2,596-41.7% |
| Participant deferral / active EE | $3,762 | $2,749+36.8% | $4,137-9.1% | $4,274-12.0% |
| Admin fee / account holder | $702 | $4,433-84.2% | $6,673-89.5% | $7,775-91.0% |