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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 | $102,429-9.5% | $147,096-37.0% | $80,925+14.5% |
| Participation rate | 56.3% | 75.9%-19.6pp | 82.2%-25.9pp | 67.7%-11.4pp |
| Annual return | 14.84% | 135.02%-120.2pp | 419.75%-404.9pp | 35.65%-20.8pp |
| Employer contribution / active EE | $3,464 | $3,716-6.8% | $4,936-29.8% | $2,756+25.7% |
| Participant deferral / active EE | $5,537 | $6,649-16.7% | $8,071-31.4% | $4,299+28.8% |
| Admin fee / account holder | $16,642 | $7,957+109.1% | $13,005+28.0% | $6,940+139.8% |