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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 | $92,274 | $60,119+53.5% | $90,430+2.0% | $79,858+15.5% |
| Participation rate | 48.6% | 65.0%-16.3pp | 72.7%-24.0pp | 69.6%-21.0pp |
| Annual return | 16.62% | 71.94%-55.3pp | 1293.73%-1277.1pp | 31.72%-15.1pp |
| Employer contribution / active EE | $1,032 | $2,068-50.1% | $3,262-68.4% | $2,471-58.2% |
| Participant deferral / active EE | $3,438 | $2,938+17.0% | $3,963-13.2% | $3,740-8.1% |
| Admin fee / account holder | $5,416 | $3,976+36.2% | $5,613-3.5% | $5,306+2.1% |