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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 | $75,654 | $98,776-23.4% | $149,745-49.5% | $79,856-5.3% |
| Participation rate | 49.0% | 75.8%-26.8pp | 82.5%-33.5pp | 69.6%-20.7pp |
| Annual return | 15.53% | 27.38%-11.8pp | 276.72%-261.2pp | 31.71%-16.2pp |
| Employer contribution / active EE | $909 | $3,217-71.7% | $4,646-80.4% | $2,471-63.2% |
| Participant deferral / active EE | $3,994 | $5,681-29.7% | $6,843-41.6% | $3,741+6.8% |
| Admin fee / account holder | $11,912 | $6,053+96.8% | $9,312+27.9% | $5,306+124.5% |