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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 | $85,428 | $102,385-16.6% | $147,080-41.9% | $80,935+5.6% |
| Participation rate | 57.4% | 75.9%-18.5pp | 82.2%-24.8pp | 67.7%-10.3pp |
| Annual return | 14.36% | 135.09%-120.7pp | 420.17%-405.8pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,401 | $3,717-62.3% | $4,933-71.6% | $2,757-49.2% |
| Participant deferral / active EE | $4,569 | $6,651-31.3% | $8,066-43.4% | $4,299+6.3% |
| Admin fee / account holder | $501 | $7,951-93.7% | $12,989-96.1% | $6,924-92.8% |