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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 | $85,389 | $106,923-20.1% | $84,023+1.6% | $152,909-44.2% |
| Participation rate | 45.8% | 75.3%-29.4pp | 69.0%-23.2pp | 82.5%-36.6pp |
| Annual return | 22.06% | 105.02%-83.0pp | 71.32%-49.3pp | 345.46%-323.4pp |
| Employer contribution / active EE | $1,403 | $2,735-48.7% | $1,984-29.3% | $4,764-70.5% |
| Participant deferral / active EE | $3,435 | $4,013-14.4% | $3,239+6.1% | $5,851-41.3% |
| Admin fee / account holder | $1,773 | $8,289-78.6% | $6,102-70.9% | $11,601-84.7% |