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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 | $81,253 | $102,385-20.6% | $147,080-44.8% | $80,935+0.4% |
| Participation rate | 64.6% | 75.9%-11.3pp | 82.2%-17.6pp | 67.7%-3.1pp |
| Annual return | 14.87% | 135.09%-120.2pp | 420.17%-405.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $1,275 | $3,717-65.7% | $4,933-74.1% | $2,757-53.7% |
| Participant deferral / active EE | $3,545 | $6,651-46.7% | $8,066-56.0% | $4,299-17.5% |
| Admin fee / account holder | $2,056 | $7,951-74.1% | $12,989-84.2% | $6,924-70.3% |