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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 | $81,773 | $98,766-17.2% | $149,730-45.4% | $79,852+2.4% |
| Participation rate | 63.9% | 75.8%-11.9pp | 82.5%-18.6pp | 69.6%-5.7pp |
| Annual return | 13.22% | 27.43%-14.2pp | 276.70%-263.5pp | 31.72%-18.5pp |
| Employer contribution / active EE | $1,700 | $3,217-47.2% | $4,645-63.4% | $2,471-31.2% |
| Participant deferral / active EE | $3,729 | $5,681-34.4% | $6,843-45.5% | $3,740-0.3% |
| Admin fee / account holder | $12,410 | $6,052+105.1% | $9,310+33.3% | $5,306+133.9% |