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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 | $92,414 | $78,690+17.4% | $161,489-42.8% | $87,485+5.6% |
| Participation rate | 49.2% | 67.5%-18.2pp | 78.7%-29.5pp | 68.9%-19.7pp |
| Annual return | 18.84% | 32.74%-13.9pp | 89.72%-70.9pp | 26.06%-7.2pp |
| Employer contribution / active EE | $1,006 | $2,588-61.1% | $4,268-76.4% | $2,596-61.3% |
| Participant deferral / active EE | $2,817 | $3,311-14.9% | $5,630-50.0% | $4,274-34.1% |
| Admin fee / account holder | $17,711 | $6,724+163.4% | $16,006+10.7% | $7,775+127.8% |