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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 | $89,254 | $58,311+53.1% | $81,882+9.0% | $80,959+10.2% |
| Participation rate | 54.9% | 63.5%-8.6pp | 72.4%-17.5pp | 67.7%-12.8pp |
| Annual return | 13.30% | 41.85%-28.5pp | 779.47%-766.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,753 | $2,347-25.3% | $2,916-39.9% | $2,757-36.4% |
| Participant deferral / active EE | $3,700 | $3,287+12.6% | $4,323-14.4% | $4,300-14.0% |
| Admin fee / account holder | $6,081 | $4,752+28.0% | $7,360-17.4% | $6,925-12.2% |