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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 | $94,532 | $102,385-7.7% | $147,080-35.7% | $80,935+16.8% |
| Participation rate | 57.6% | 75.9%-18.3pp | 82.2%-24.6pp | 67.7%-10.1pp |
| Annual return | 12.87% | 135.09%-122.2pp | 420.17%-407.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,014 | $3,717-72.7% | $4,933-79.5% | $2,757-63.2% |
| Participant deferral / active EE | $2,661 | $6,651-60.0% | $8,066-67.0% | $4,299-38.1% |
| Admin fee / account holder | $3,324 | $7,951-58.2% | $12,989-74.4% | $6,924-52.0% |