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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 | $86,146 | $102,385-15.9% | $147,080-41.4% | $80,935+6.4% |
| Participation rate | 54.9% | 75.9%-21.0pp | 82.2%-27.3pp | 67.7%-12.8pp |
| Annual return | 12.21% | 135.09%-122.9pp | 420.17%-408.0pp | 35.66%-23.4pp |
| Employer contribution / active EE | $1,217 | $3,717-67.3% | $4,933-75.3% | $2,757-55.9% |
| Participant deferral / active EE | $6,254 | $6,651-6.0% | $8,066-22.5% | $4,299+45.5% |
| Admin fee / account holder | $14,654 | $7,951+84.3% | $12,989+12.8% | $6,924+111.6% |