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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 | $80,441 | $102,422-21.5% | $147,117-45.3% | $80,959-0.6% |
| Participation rate | 64.3% | 75.9%-11.6pp | 82.2%-17.9pp | 67.7%-3.4pp |
| Annual return | 14.01% | 135.16%-121.1pp | 420.54%-406.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $2,256 | $3,717-39.3% | $4,932-54.3% | $2,757-18.2% |
| Participant deferral / active EE | $4,366 | $6,652-34.4% | $8,065-45.9% | $4,300+1.5% |
| Admin fee / account holder | $25,272 | $7,953+217.8% | $12,993+94.5% | $6,925+264.9% |