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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 | $47,759 | $70,666-32.4% | $169,385-71.8% | $75,181-36.5% |
| Participation rate | 56.3% | 64.8%-8.5pp | 77.2%-20.9pp | 67.2%-10.9pp |
| Annual return | 18.91% | 36.37%-17.5pp | 405.82%-386.9pp | 160.69%-141.8pp |
| Employer contribution / active EE | $1,097 | $2,210-50.4% | $4,012-72.7% | $2,671-58.9% |
| Participant deferral / active EE | $1,689 | $4,308-60.8% | $6,221-72.9% | $4,126-59.1% |
| Admin fee / account holder | $11,461 | $5,402+112.2% | $9,011+27.2% | $5,650+102.9% |