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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 | $35,330 | $55,889-36.8% | $76,119-53.6% | $80,935-56.3% |
| Participation rate | 47.6% | 62.1%-14.4pp | 69.1%-21.5pp | 67.7%-20.0pp |
| Annual return | 93.37% | 20.58%+72.8pp | 361.25%-267.9pp | 35.66%+57.7pp |
| Employer contribution / active EE | $1,944 | $1,866+4.2% | $2,693-27.8% | $2,757-29.5% |
| Participant deferral / active EE | $3,112 | $3,051+2.0% | $4,259-26.9% | $4,299-27.6% |
| Admin fee / account holder | $528 | $5,241-89.9% | $6,421-91.8% | $6,924-92.4% |