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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 | $102,385-12.4% | $147,080-39.0% | $80,935+10.8% |
| Participation rate | 47.5% | 75.9%-28.3pp | 82.2%-34.6pp | 67.7%-20.1pp |
| Annual return | 13.99% | 135.09%-121.1pp | 420.17%-406.2pp | 35.66%-21.7pp |
| Employer contribution / active EE | $1,839 | $3,717-50.5% | $4,933-62.7% | $2,757-33.3% |
| Participant deferral / active EE | $5,188 | $6,651-22.0% | $8,066-35.7% | $4,299+20.7% |
| Admin fee / account holder | $12,396 | $7,951+55.9% | $12,989-4.6% | $6,924+79.0% |