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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 | $88,722 | $102,382-13.3% | $147,005-39.6% | $80,874+9.7% |
| Participation rate | 55.1% | 75.8%-20.8pp | 82.2%-27.1pp | 67.6%-12.6pp |
| Annual return | 12.76% | 134.89%-122.1pp | 418.76%-406.0pp | 35.62%-22.9pp |
| Employer contribution / active EE | $1,367 | $3,715-63.2% | $4,934-72.3% | $2,756-50.4% |
| Participant deferral / active EE | $6,035 | $6,646-9.2% | $8,070-25.2% | $4,297+40.4% |
| Admin fee / account holder | $2,771 | $7,942-65.1% | $13,006-78.7% | $6,935-60.0% |