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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 | $76,137 | $111,535-31.7% | $105,223-27.6% | $137,256-44.5% |
| Participation rate | 35.7% | 78.1%-42.4pp | 75.0%-39.3pp | 80.0%-44.2pp |
| Annual return | 15.03% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $2,008 | $3,939-49.0% | $3,689-45.5% | $4,156-51.7% |
| Participant deferral / active EE | $3,804 | $5,500-30.8% | $5,072-25.0% | $6,407-40.6% |
| Admin fee / account holder | $36,905 | $9,721+279.6% | $8,859+316.6% | $12,270+200.8% |