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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 | $72,262 | $102,429-29.5% | $147,096-50.9% | $80,925-10.7% |
| Participation rate | 67.4% | 75.9%-8.4pp | 82.2%-14.7pp | 67.7%-0.2pp |
| Annual return | 16.55% | 135.02%-118.5pp | 419.75%-403.2pp | 35.65%-19.1pp |
| Employer contribution / active EE | $3,085 | $3,716-17.0% | $4,936-37.5% | $2,756+11.9% |
| Participant deferral / active EE | $5,736 | $6,649-13.7% | $8,071-28.9% | $4,299+33.4% |
| Admin fee / account holder | $1,371 | $7,957-82.8% | $13,005-89.5% | $6,940-80.2% |