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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 | $102,385-21.4% | $147,080-45.3% | $80,935-0.6% |
| Participation rate | 64.3% | 75.9%-11.6pp | 82.2%-17.9pp | 67.7%-3.4pp |
| Annual return | 14.01% | 135.09%-121.1pp | 420.17%-406.2pp | 35.66%-21.6pp |
| Employer contribution / active EE | $2,256 | $3,717-39.3% | $4,933-54.3% | $2,757-18.2% |
| Participant deferral / active EE | $4,366 | $6,651-34.4% | $8,066-45.9% | $4,299+1.6% |
| Admin fee / account holder | $25,272 | $7,951+217.8% | $12,989+94.6% | $6,924+265.0% |