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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 | $60,133 | $78,690-23.6% | $161,489-62.8% | $87,485-31.3% |
| Participation rate | 42.9% | 67.5%-24.6pp | 78.7%-35.8pp | 68.9%-26.1pp |
| Annual return | 13.69% | 32.74%-19.0pp | 89.72%-76.0pp | 26.06%-12.4pp |
| Employer contribution / active EE | $1,391 | $2,588-46.3% | $4,268-67.4% | $2,596-46.4% |
| Participant deferral / active EE | $1,728 | $3,311-47.8% | $5,630-69.3% | $4,274-59.6% |
| Admin fee / account holder | $23,302 | $6,724+246.6% | $16,006+45.6% | $7,775+199.7% |