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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 | $92,669 | $102,393-9.5% | $147,041-37.0% | $80,911+14.5% |
| Participation rate | 56.3% | 75.9%-19.6pp | 82.2%-25.9pp | 67.6%-11.4pp |
| Annual return | 14.84% | 134.95%-120.1pp | 419.21%-404.4pp | 35.63%-20.8pp |
| Employer contribution / active EE | $3,464 | $3,715-6.8% | $4,935-29.8% | $2,756+25.7% |
| Participant deferral / active EE | $5,537 | $6,647-16.7% | $8,071-31.4% | $4,297+28.9% |
| Admin fee / account holder | $16,642 | $7,943+109.5% | $13,006+28.0% | $6,935+140.0% |