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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 | $98,823 | $123,750-20.1% | $69,611+42.0% | $145,877-32.3% |
| Participation rate | 45.0% | 69.2%-24.2pp | 66.4%-21.4pp | 80.3%-35.3pp |
| Annual return | 11.66% | 192.03%-180.4pp | 101.14%-89.5pp | 551.28%-539.6pp |
| Employer contribution / active EE | $1,374 | $2,672-48.6% | $1,709-19.6% | $4,663-70.5% |
| Participant deferral / active EE | $1,668 | $4,243-60.7% | $2,891-42.3% | $6,691-75.1% |
| Admin fee / account holder | $11,811 | $7,817+51.1% | $4,696+151.5% | $13,402-11.9% |