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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 | $77,031 | $89,259-13.7% | $107,187-28.1% | $82,637-6.8% |
| Participation rate | 57.4% | 67.9%-10.6pp | 75.0%-17.6pp | 68.1%-10.7pp |
| Annual return | 15.65% | 21.02%-5.4pp | 204.55%-188.9pp | 53.51%-37.9pp |
| Employer contribution / active EE | $2,339 | $3,080-24.1% | $3,782-38.2% | $2,552-8.4% |
| Participant deferral / active EE | $5,609 | $4,037+38.9% | $5,096+10.1% | $4,126+35.9% |
| Admin fee / account holder | $65,814 | $7,381+791.6% | $9,162+618.3% | $7,339+796.8% |