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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 | $48,730 | $102,393-52.4% | $147,041-66.9% | $80,911-39.8% |
| Participation rate | 50.7% | 75.9%-25.2pp | 82.2%-31.5pp | 67.6%-17.0pp |
| Annual return | 14.57% | 134.95%-120.4pp | 419.21%-404.6pp | 35.63%-21.1pp |
| Employer contribution / active EE | $1,560 | $3,715-58.0% | $4,935-68.4% | $2,756-43.4% |
| Participant deferral / active EE | $2,901 | $6,647-56.4% | $8,071-64.1% | $4,297-32.5% |
| Admin fee / account holder | $914 | $7,943-88.5% | $13,006-93.0% | $6,935-86.8% |