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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 | $79,422 | $102,429-22.5% | $147,096-46.0% | $80,925-1.9% |
| Participation rate | 64.3% | 75.9%-11.6pp | 82.2%-17.9pp | 67.7%-3.4pp |
| Annual return | 19.08% | 135.02%-115.9pp | 419.75%-400.7pp | 35.65%-16.6pp |
| Employer contribution / active EE | $2,640 | $3,716-29.0% | $4,936-46.5% | $2,756-4.2% |
| Participant deferral / active EE | $8,248 | $6,649+24.1% | $8,071+2.2% | $4,299+91.9% |
| Admin fee / account holder | $2,180 | $7,957-72.6% | $13,005-83.2% | $6,940-68.6% |