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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 | $48,260 | $52,353-7.8% | $120,225-59.9% | $82,448-41.5% |
| Participation rate | 37.9% | 58.3%-20.4pp | 69.6%-31.6pp | 68.1%-30.1pp |
| Annual return | 13.36% | 61.85%-48.5pp | 439.23%-425.9pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,235 | $1,510-18.2% | $3,475-64.5% | $2,551-51.6% |
| Participant deferral / active EE | $1,650 | $2,627-37.2% | $3,999-58.7% | $4,139-60.1% |
| Admin fee / account holder | $2,273 | $4,363-47.9% | $5,696-60.1% | $7,234-68.6% |