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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 | $84,889 | $102,382-17.1% | $147,005-42.3% | $80,874+5.0% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.2%-22.2pp | 67.6%-7.6pp |
| Annual return | 14.55% | 134.89%-120.3pp | 418.76%-404.2pp | 35.62%-21.1pp |
| Employer contribution / active EE | $4,148 | $3,715+11.7% | $4,934-15.9% | $2,756+50.5% |
| Participant deferral / active EE | $8,922 | $6,646+34.2% | $8,070+10.6% | $4,297+107.6% |
| Admin fee / account holder | $2,473 | $7,942-68.9% | $13,006-81.0% | $6,935-64.3% |