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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 | $95,562 | $102,382-6.7% | $147,005-35.0% | $80,874+18.2% |
| Participation rate | 56.3% | 75.8%-19.6pp | 82.2%-25.9pp | 67.6%-11.4pp |
| Annual return | 11.98% | 134.89%-122.9pp | 418.76%-406.8pp | 35.62%-23.6pp |
| Employer contribution / active EE | $2,038 | $3,715-45.1% | $4,934-58.7% | $2,756-26.0% |
| Participant deferral / active EE | $3,966 | $6,646-40.3% | $8,070-50.9% | $4,297-7.7% |
| Admin fee / account holder | $3,433 | $7,942-56.8% | $13,006-73.6% | $6,935-50.5% |