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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 | $77,221 | $85,169-9.3% | $172,755-55.3% | $72,983+5.8% |
| Participation rate | 53.1% | 70.1%-16.9pp | 82.6%-29.5pp | 69.5%-16.4pp |
| Annual return | 26.41% | 27.32%-0.9pp | 802.94%-776.5pp | 81.01%-54.6pp |
| Employer contribution / active EE | $2,286 | $3,324-31.2% | $5,144-55.6% | $2,440-6.3% |
| Participant deferral / active EE | $4,706 | $3,260+44.4% | $5,198-9.5% | $3,608+30.4% |
| Admin fee / account holder | $608 | $5,880-89.7% | $13,955-95.6% | $5,124-88.1% |