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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 | $70,892 | $75,832-6.5% | $147,618-52.0% | $59,633+18.9% |
| Participation rate | 48.9% | 71.6%-22.7pp | 84.6%-35.7pp | 68.7%-19.8pp |
| Annual return | 3.55% | 0.37%+3.2pp | 61.98%-58.4pp | 2041.40%-2037.8pp |
| Employer contribution / active EE | $5,096 | $3,485+46.2% | $5,565-8.4% | $2,203+131.4% |
| Participant deferral / active EE | $5,675 | $3,131+81.3% | $4,895+15.9% | $3,192+77.8% |
| Admin fee / account holder | $3,893 | $5,986-35.0% | $11,612-66.5% | $4,297-9.4% |