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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 | $82,388 | $99,652-17.3% | $78,778+4.6% | $147,586-44.2% |
| Participation rate | 61.5% | 76.2%-14.7pp | 69.2%-7.7pp | 82.8%-21.3pp |
| Annual return | 10.81% | 47.28%-36.5pp | 35.62%-24.8pp | 578.59%-567.8pp |
| Employer contribution / active EE | $1,494 | $2,796-46.6% | $1,986-24.8% | $4,876-69.4% |
| Participant deferral / active EE | $3,640 | $3,664-0.6% | $2,958+23.1% | $5,439-33.1% |
| Admin fee / account holder | $51,350 | $7,155+617.7% | $5,134+900.2% | $10,886+371.7% |