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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 | $90,583 | $102,393-11.5% | $147,041-38.4% | $80,911+12.0% |
| Participation rate | 65.4% | 75.9%-10.5pp | 82.2%-16.8pp | 67.6%-2.3pp |
| Annual return | 18.24% | 134.95%-116.7pp | 419.21%-401.0pp | 35.63%-17.4pp |
| Employer contribution / active EE | $2,648 | $3,715-28.7% | $4,935-46.4% | $2,756-3.9% |
| Participant deferral / active EE | $5,102 | $6,647-23.2% | $8,071-36.8% | $4,297+18.7% |
| Admin fee / account holder | $720 | $7,943-90.9% | $13,006-94.5% | $6,935-89.6% |