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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 | $94,686 | $118,877-20.3% | $96,570-2.0% | $167,536-43.5% |
| Participation rate | 62.5% | 75.5%-13.0pp | 69.8%-7.3pp | 82.1%-19.6pp |
| Annual return | 11.32% | 50.50%-39.2pp | 37.79%-26.5pp | 478.82%-467.5pp |
| Employer contribution / active EE | $1,775 | $3,121-43.1% | $2,357-24.7% | $4,839-63.3% |
| Participant deferral / active EE | $4,596 | $4,617-0.4% | $3,849+19.4% | $6,342-27.5% |
| Admin fee / account holder | $13,761 | $8,069+70.5% | $6,182+122.6% | $12,315+11.7% |