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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 | $53,222 | $61,787-13.9% | $97,197-45.2% | $80,925-34.2% |
| Participation rate | 55.4% | 63.5%-8.1pp | 72.7%-17.3pp | 67.7%-12.2pp |
| Annual return | 11.37% | -558.16%+569.5pp | 75.47%-64.1pp | 35.65%-24.3pp |
| Employer contribution / active EE | $1,932 | $1,836+5.3% | $2,723-29.0% | $2,756-29.9% |
| Participant deferral / active EE | $3,619 | $3,027+19.6% | $4,263-15.1% | $4,299-15.8% |
| Admin fee / account holder | $15,758 | $5,170+204.8% | $5,637+179.5% | $6,940+127.1% |