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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 | $86,378 | $52,279+65.2% | $89,435-3.4% | $79,856+8.2% |
| Participation rate | 31.6% | 57.5%-26.0pp | 68.0%-36.4pp | 69.6%-38.1pp |
| Annual return | 13.16% | 22.16%-9.0pp | 245.55%-232.4pp | 31.71%-18.6pp |
| Employer contribution / active EE | $1,076 | $1,572-31.5% | $2,587-58.4% | $2,471-56.5% |
| Participant deferral / active EE | $1,593 | $2,740-41.9% | $3,890-59.1% | $3,741-57.4% |
| Admin fee / account holder | $458 | $3,356-86.4% | $4,884-90.6% | $5,306-91.4% |