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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 | $57,784 | $102,382-43.6% | $147,005-60.7% | $80,874-28.6% |
| Participation rate | 45.2% | 75.8%-30.7pp | 82.2%-37.0pp | 67.6%-22.5pp |
| Annual return | 18.84% | 134.89%-116.1pp | 418.76%-399.9pp | 35.62%-16.8pp |
| Employer contribution / active EE | $2,338 | $3,715-37.1% | $4,934-52.6% | $2,756-15.2% |
| Participant deferral / active EE | $4,304 | $6,646-35.2% | $8,070-46.7% | $4,297+0.2% |
| Admin fee / account holder | $11,079 | $7,942+39.5% | $13,006-14.8% | $6,935+59.8% |