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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 | $94,371 | $102,382-7.8% | $147,005-35.8% | $80,874+16.7% |
| Participation rate | 56.3% | 75.8%-19.6pp | 82.2%-25.9pp | 67.6%-11.4pp |
| Annual return | 16.00% | 134.89%-118.9pp | 418.76%-402.8pp | 35.62%-19.6pp |
| Employer contribution / active EE | $1,326 | $3,715-64.3% | $4,934-73.1% | $2,756-51.9% |
| Participant deferral / active EE | $3,819 | $6,646-42.5% | $8,070-52.7% | $4,297-11.1% |
| Admin fee / account holder | $927 | $7,942-88.3% | $13,006-92.9% | $6,935-86.6% |