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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 | $52,148 | $104,251-50.0% | $91,004-42.7% | $147,586-64.7% |
| Participation rate | 25.0% | 78.2%-53.2pp | 75.6%-50.6pp | 82.8%-57.8pp |
| Annual return | 14.57% | 27.06%-12.5pp | 4.60%+10.0pp | 578.59%-564.0pp |
| Employer contribution / active EE | $1,603 | $3,116-48.5% | $2,456-34.7% | $4,876-67.1% |
| Participant deferral / active EE | $3,646 | $4,195-13.1% | $3,548+2.8% | $5,439-33.0% |
| Admin fee / account holder | $35,140 | $8,948+292.7% | $5,417+548.6% | $10,886+222.8% |