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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 | $78,899 | $101,591-22.3% | $147,096-46.4% | $74,429+6.0% |
| Participation rate | 59.0% | 75.5%-16.6pp | 82.2%-23.2pp | 67.2%-8.2pp |
| Annual return | 17.06% | 8746.45%-8729.4pp | 419.75%-402.7pp | 1368.38%-1351.3pp |
| Employer contribution / active EE | $1,715 | $3,813-55.0% | $4,936-65.3% | $2,625-34.7% |
| Participant deferral / active EE | $6,178 | $7,302-15.4% | $8,071-23.5% | $4,348+42.1% |
| Admin fee / account holder | $3,105 | $1,750+77.4% | $13,005-76.1% | $1,944+59.7% |