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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 | $56,406 | $82,678-31.8% | $125,391-55.0% | $68,490-17.6% |
| Participation rate | 48.2% | 75.1%-26.8pp | 82.4%-34.2pp | 67.9%-19.7pp |
| Annual return | 11.68% | -5.97%+17.6pp | 572.41%-560.7pp | -7.85%+19.5pp |
| Employer contribution / active EE | $2,346 | $3,382-30.6% | $4,816-51.3% | $2,597-9.6% |
| Participant deferral / active EE | $4,151 | $6,111-32.1% | $7,448-44.3% | $4,028+3.1% |
| Admin fee / account holder | $1,709 | $6,277-72.8% | $10,009-82.9% | $5,403-68.4% |