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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 | $89,687 | $102,422-12.4% | $147,117-39.0% | $80,959+10.8% |
| Participation rate | 47.5% | 75.9%-28.3pp | 82.2%-34.6pp | 67.7%-20.1pp |
| Annual return | 13.99% | 135.16%-121.2pp | 420.54%-406.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,839 | $3,717-50.5% | $4,932-62.7% | $2,757-33.3% |
| Participant deferral / active EE | $5,188 | $6,652-22.0% | $8,065-35.7% | $4,300+20.6% |
| Admin fee / account holder | $12,396 | $7,953+55.9% | $12,993-4.6% | $6,925+79.0% |