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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 | $75,430 | $88,672-14.9% | $105,223-28.3% | $82,448-8.5% |
| Participation rate | 37.6% | 67.9%-30.3pp | 75.0%-37.4pp | 68.1%-30.4pp |
| Annual return | 14.81% | 30.86%-16.0pp | 180.65%-165.8pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,613 | $3,048-47.1% | $3,689-56.3% | $2,551-36.8% |
| Participant deferral / active EE | $3,174 | $4,036-21.4% | $5,072-37.4% | $4,139-23.3% |
| Admin fee / account holder | $40,356 | $7,146+464.7% | $8,859+355.5% | $7,234+457.8% |