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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 | $61,817 | $94,749-34.8% | $112,899-45.2% | $139,466-55.7% |
| Participation rate | 42.9% | 81.3%-38.4pp | 80.5%-37.7pp | 80.3%-37.5pp |
| Annual return | 18.57% | 40.92%-22.3pp | 34.11%-15.5pp | 373.66%-355.1pp |
| Employer contribution / active EE | $3,301 | $4,630-28.7% | $4,566-27.7% | $4,754-30.6% |
| Participant deferral / active EE | $5,377 | $6,517-17.5% | $6,516-17.5% | $6,712-19.9% |
| Admin fee / account holder | $33,485 | $8,530+292.6% | $7,047+375.1% | $11,409+193.5% |