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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 | $93,037 | $58,726+58.4% | $92,240+0.9% | $62,293+49.4% |
| Participation rate | 39.8% | 68.3%-28.5pp | 76.5%-36.7pp | 69.5%-29.7pp |
| Annual return | 13.68% | 43.62%-29.9pp | 176.29%-162.6pp | 28.90%-15.2pp |
| Employer contribution / active EE | $1,281 | $2,392-46.4% | $3,680-65.2% | $2,042-37.3% |
| Participant deferral / active EE | $2,440 | $2,766-11.8% | $3,897-37.4% | $3,169-23.0% |
| Admin fee / account holder | $837 | $556+50.4% | $5,194-83.9% | $479+74.5% |