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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 | $82,702 | $102,385-19.2% | $147,080-43.8% | $80,935+2.2% |
| Participation rate | 40.6% | 75.9%-35.2pp | 82.2%-41.6pp | 67.7%-27.0pp |
| Annual return | 39.12% | 135.09%-96.0pp | 420.17%-381.0pp | 35.66%+3.5pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $6,882 | $6,651+3.5% | $8,066-14.7% | $4,299+60.1% |
| Admin fee / account holder | $1,727 | $7,951-78.3% | $12,989-86.7% | $6,924-75.1% |