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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 | $87,512 | $102,429-14.6% | $147,096-40.5% | $80,925+8.1% |
| Participation rate | 67.1% | 75.9%-8.8pp | 82.2%-15.1pp | 67.7%-0.6pp |
| Annual return | 15.66% | 135.02%-119.4pp | 419.75%-404.1pp | 35.65%-20.0pp |
| Employer contribution / active EE | $1,534 | $3,716-58.7% | $4,936-68.9% | $2,756-44.3% |
| Participant deferral / active EE | $4,371 | $6,649-34.3% | $8,071-45.8% | $4,299+1.7% |
| Admin fee / account holder | $16,168 | $7,957+103.2% | $13,005+24.3% | $6,940+133.0% |