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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 | $59,037 | $85,169-30.7% | $172,755-65.8% | $72,983-19.1% |
| Participation rate | 40.2% | 70.1%-29.8pp | 82.6%-42.4pp | 69.5%-29.2pp |
| Annual return | 20.58% | 27.32%-6.7pp | 802.94%-782.4pp | 81.01%-60.4pp |
| Employer contribution / active EE | $412 | $3,324-87.6% | $5,144-92.0% | $2,440-83.1% |
| Participant deferral / active EE | $2,053 | $3,260-37.0% | $5,198-60.5% | $3,608-43.1% |
| Admin fee / account holder | $2,480 | $5,880-57.8% | $13,955-82.2% | $5,124-51.6% |