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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 | $87,574 | $63,346+38.2% | $92,240-5.1% | $70,126+24.9% |
| Participation rate | 44.9% | 68.7%-23.8pp | 76.5%-31.6pp | 69.5%-24.6pp |
| Annual return | 21.18% | 530.19%-509.0pp | 176.29%-155.1pp | 73.15%-52.0pp |
| Employer contribution / active EE | $1,424 | $2,471-42.4% | $3,680-61.3% | $2,343-39.2% |
| Participant deferral / active EE | $3,581 | $2,854+25.5% | $3,897-8.1% | $3,332+7.5% |
| Admin fee / account holder | $3,028 | $3,841-21.2% | $5,194-41.7% | $4,645-34.8% |