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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 | $81,015 | $101,653-20.3% | $147,080-44.9% | $74,459+8.8% |
| Participation rate | 59.2% | 75.6%-16.4pp | 82.2%-23.0pp | 67.2%-8.1pp |
| Annual return | 15.63% | 8754.98%-8739.3pp | 420.17%-404.5pp | 1369.70%-1354.1pp |
| Employer contribution / active EE | $2,032 | $3,813-46.7% | $4,933-58.8% | $2,626-22.6% |
| Participant deferral / active EE | $4,534 | $7,304-37.9% | $8,066-43.8% | $4,350+4.2% |
| Admin fee / account holder | $15,265 | $1,752+771.5% | $12,989+17.5% | $1,945+684.9% |