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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 | $83,428 | $102,429-18.5% | $147,096-43.3% | $80,925+3.1% |
| Participation rate | 59.3% | 75.9%-16.6pp | 82.2%-22.9pp | 67.7%-8.4pp |
| Annual return | 14.96% | 135.02%-120.1pp | 419.75%-404.8pp | 35.65%-20.7pp |
| Employer contribution / active EE | $1,821 | $3,716-51.0% | $4,936-63.1% | $2,756-33.9% |
| Participant deferral / active EE | $3,460 | $6,649-48.0% | $8,071-57.1% | $4,299-19.5% |
| Admin fee / account holder | $5,343 | $7,957-32.9% | $13,005-58.9% | $6,940-23.0% |