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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 | $86,634 | $95,406-9.2% | $185,849-53.4% | $85,847+0.9% |
| Participation rate | 60.7% | 68.8%-8.1pp | 81.7%-21.0pp | 69.3%-8.6pp |
| Annual return | 21.99% | 23.59%-1.6pp | 122.10%-100.1pp | 318.61%-296.6pp |
| Employer contribution / active EE | $1,683 | $3,314-49.2% | $5,169-67.4% | $2,565-34.4% |
| Participant deferral / active EE | $2,568 | $3,424-25.0% | $5,569-53.9% | $3,952-35.0% |
| Admin fee / account holder | $2,406 | $7,214-66.7% | $16,244-85.2% | $6,261-61.6% |