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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 | $87,302 | $102,429-14.8% | $147,096-40.6% | $80,925+7.9% |
| Participation rate | 64.0% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 19.05% | 135.02%-116.0pp | 419.75%-400.7pp | 35.65%-16.6pp |
| Employer contribution / active EE | $2,101 | $3,716-43.5% | $4,936-57.4% | $2,756-23.8% |
| Participant deferral / active EE | $6,550 | $6,649-1.5% | $8,071-18.8% | $4,299+52.4% |
| Admin fee / account holder | $19,169 | $7,957+140.9% | $13,005+47.4% | $6,940+176.2% |