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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 | $56,662 | $98,766-42.6% | $149,730-62.2% | $79,852-29.0% |
| Participation rate | 52.9% | 75.8%-22.8pp | 82.5%-29.5pp | 69.6%-16.7pp |
| Annual return | 13.24% | 27.43%-14.2pp | 276.70%-263.5pp | 31.72%-18.5pp |
| Employer contribution / active EE | $1,503 | $3,217-53.3% | $4,645-67.6% | $2,471-39.2% |
| Participant deferral / active EE | $4,003 | $5,681-29.5% | $6,843-41.5% | $3,740+7.0% |
| Admin fee / account holder | $16,764 | $6,052+177.0% | $9,310+80.1% | $5,306+215.9% |