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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 | $49,861 | $102,385-51.3% | $147,080-66.1% | $80,935-38.4% |
| Participation rate | 59.4% | 75.9%-16.5pp | 82.2%-22.8pp | 67.7%-8.3pp |
| Annual return | 20.10% | 135.09%-115.0pp | 420.17%-400.1pp | 35.66%-15.6pp |
| Employer contribution / active EE | $2,271 | $3,717-38.9% | $4,933-54.0% | $2,757-17.6% |
| Participant deferral / active EE | $5,362 | $6,651-19.4% | $8,066-33.5% | $4,299+24.7% |
| Admin fee / account holder | $13,248 | $7,951+66.6% | $12,989+2.0% | $6,924+91.3% |