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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 | $80,773 | $52,353+54.3% | $120,225-32.8% | $82,448-2.0% |
| Participation rate | 44.3% | 58.3%-14.0pp | 69.6%-25.3pp | 68.1%-23.7pp |
| Annual return | 13.88% | 61.85%-48.0pp | 439.23%-425.3pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,279 | $1,510-15.3% | $3,475-63.2% | $2,551-49.9% |
| Participant deferral / active EE | $3,219 | $2,627+22.5% | $3,999-19.5% | $4,139-22.2% |
| Admin fee / account holder | $29,413 | $4,363+574.2% | $5,696+416.4% | $7,234+306.6% |