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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 | $89,566 | $105,200-14.9% | $159,474-43.8% | $85,847+4.3% |
| Participation rate | 61.9% | 75.8%-13.9pp | 82.8%-20.9pp | 69.3%-7.4pp |
| Annual return | 13.97% | 45.08%-31.1pp | 263.68%-249.7pp | 318.61%-304.6pp |
| Employer contribution / active EE | $744 | $3,319-77.6% | $4,831-84.6% | $2,565-71.0% |
| Participant deferral / active EE | $7,444 | $5,946+25.2% | $7,353+1.2% | $3,952+88.4% |
| Admin fee / account holder | $3,006 | $6,934-56.7% | $10,802-72.2% | $6,261-52.0% |