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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 | $96,580 | $102,385-5.7% | $147,080-34.3% | $80,935+19.3% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 13.61% | 135.09%-121.5pp | 420.17%-406.6pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,402 | $3,717-62.3% | $4,933-71.6% | $2,757-49.1% |
| Participant deferral / active EE | $4,785 | $6,651-28.1% | $8,066-40.7% | $4,299+11.3% |
| Admin fee / account holder | $3,691 | $7,951-53.6% | $12,989-71.6% | $6,924-46.7% |