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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 | $89,294 | $102,422-12.8% | $147,117-39.3% | $80,959+10.3% |
| Participation rate | 58.7% | 75.9%-17.2pp | 82.2%-23.5pp | 67.7%-9.0pp |
| Annual return | 15.56% | 135.16%-119.6pp | 420.54%-405.0pp | 35.67%-20.1pp |
| Employer contribution / active EE | $1,694 | $3,717-54.4% | $4,932-65.6% | $2,757-38.5% |
| Participant deferral / active EE | $4,165 | $6,652-37.4% | $8,065-48.4% | $4,300-3.1% |
| Admin fee / account holder | $804 | $7,953-89.9% | $12,993-93.8% | $6,925-88.4% |