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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 | $102,429-13.4% | $147,096-39.7% | $80,925+9.6% |
| Participation rate | 55.1% | 75.9%-20.8pp | 82.2%-27.1pp | 67.7%-12.6pp |
| Annual return | 12.76% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $1,367 | $3,716-63.2% | $4,936-72.3% | $2,756-50.4% |
| Participant deferral / active EE | $6,035 | $6,649-9.2% | $8,071-25.2% | $4,299+40.4% |
| Admin fee / account holder | $2,771 | $7,957-65.2% | $13,005-78.7% | $6,940-60.1% |