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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 | $43,694 | $65,555-33.3% | $86,216-49.3% | $75,173-41.9% |
| Participation rate | 53.8% | 60.5%-6.6pp | 69.0%-15.1pp | 67.2%-13.4pp |
| Annual return | 14.52% | 46.07%-31.5pp | 1169.42%-1154.9pp | 160.72%-146.2pp |
| Employer contribution / active EE | $1,037 | $1,553-33.2% | $2,382-56.4% | $2,671-61.2% |
| Participant deferral / active EE | $2,129 | $3,023-29.6% | $3,986-46.6% | $4,126-48.4% |
| Admin fee / account holder | $8,383 | $5,469+53.3% | $6,853+22.3% | $5,651+48.4% |