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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 | $98,906 | $95,383+3.7% | $185,837-46.8% | $85,856+15.2% |
| Participation rate | 51.9% | 68.8%-16.8pp | 81.7%-29.8pp | 69.3%-17.4pp |
| Annual return | 14.82% | 23.59%-8.8pp | 122.08%-107.3pp | 318.58%-303.8pp |
| Employer contribution / active EE | $439 | $3,313-86.8% | $5,168-91.5% | $2,565-82.9% |
| Participant deferral / active EE | $2,605 | $3,423-23.9% | $5,568-53.2% | $3,952-34.1% |
| Admin fee / account holder | $79,715 | $7,213+1005.2% | $16,241+390.8% | $6,261+1173.3% |