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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 | $86,383 | $93,373-7.5% | $152,466-43.3% | $85,856+0.6% |
| Participation rate | 45.2% | 70.1%-24.9pp | 78.2%-33.0pp | 69.3%-24.1pp |
| Annual return | 14.51% | 21.84%-7.3pp | 757.33%-742.8pp | 318.58%-304.1pp |
| Employer contribution / active EE | $2,150 | $2,996-28.2% | $4,327-50.3% | $2,565-16.2% |
| Participant deferral / active EE | $3,641 | $4,550-20.0% | $5,820-37.4% | $3,952-7.9% |
| Admin fee / account holder | $15,439 | $13,853+11.5% | $15,805-2.3% | $6,261+146.6% |