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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 | $46,509 | $75,962-38.8% | $154,108-69.8% | $64,173-27.5% |
| Participation rate | 66.2% | 70.4%-4.2pp | 83.0%-16.8pp | 69.6%-3.4pp |
| Annual return | 5.73% | 30.32%-24.6pp | 735.21%-729.5pp | 7.63%-1.9pp |
| Employer contribution / active EE | $1,470 | $3,350-56.1% | $5,298-72.2% | $2,381-38.2% |
| Participant deferral / active EE | $2,544 | $3,175-19.9% | $5,081-49.9% | $3,470-26.7% |
| Admin fee / account holder | $10,201 | $5,589+82.5% | $13,411-23.9% | $4,887+108.7% |