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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 | $69,667 | $111,830-37.7% | $93,696-25.6% | $145,884-52.2% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 11.38% | 204.08%-192.7pp | 133.74%-122.4pp | 551.85%-540.5pp |
| Employer contribution / active EE | $1,513 | $3,093-51.1% | $2,422-37.5% | $4,662-67.5% |
| Participant deferral / active EE | $3,489 | $4,920-29.1% | $4,417-21.0% | $6,690-47.8% |
| Admin fee / account holder | $6,897 | $10,249-32.7% | $8,287-16.8% | $13,392-48.5% |