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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 | $32,399 | $95,415-66.0% | $185,851-82.6% | $85,851-62.3% |
| Participation rate | 47.4% | 68.8%-21.4pp | 81.7%-34.3pp | 69.3%-22.0pp |
| Annual return | 13.61% | 23.59%-10.0pp | 122.11%-108.5pp | 318.63%-305.0pp |
| Employer contribution / active EE | $1,176 | $3,314-64.5% | $5,168-77.3% | $2,565-54.2% |
| Participant deferral / active EE | $3,004 | $3,424-12.3% | $5,569-46.1% | $3,952-24.0% |
| Admin fee / account holder | $13,113 | $7,215+81.7% | $16,245-19.3% | $6,261+109.4% |