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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 | $75,285 | $85,766-12.2% | $136,298-44.8% | $70,126+7.4% |
| Participation rate | 51.5% | 74.2%-22.6pp | 81.9%-30.4pp | 69.5%-18.0pp |
| Annual return | 18.58% | 31.46%-12.9pp | 5156.27%-5137.7pp | 73.15%-54.6pp |
| Employer contribution / active EE | $2,742 | $2,966-7.5% | $4,696-41.6% | $2,343+17.1% |
| Participant deferral / active EE | $4,337 | $5,051-14.1% | $6,247-30.6% | $3,332+30.2% |
| Admin fee / account holder | $4,900 | $5,421-9.6% | $9,244-47.0% | $4,645+5.5% |