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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 | $91,430 | $77,164+18.5% | $178,014-48.6% | $80,874+13.1% |
| Participation rate | 38.5% | 65.7%-27.2pp | 77.1%-38.6pp | 67.6%-29.2pp |
| Annual return | 15.02% | 18.09%-3.1pp | 294.80%-279.8pp | 35.62%-20.6pp |
| Employer contribution / active EE | $2,918 | $2,288+27.5% | $3,950-26.1% | $2,756+5.9% |
| Participant deferral / active EE | $6,099 | $4,408+38.4% | $6,276-2.8% | $4,297+41.9% |
| Admin fee / account holder | $2,865 | $7,164-60.0% | $10,362-72.4% | $6,935-58.7% |