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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 | $82,895 | $102,422-19.1% | $147,117-43.7% | $80,959+2.4% |
| Participation rate | 45.9% | 75.9%-29.9pp | 82.2%-36.2pp | 67.7%-21.7pp |
| Annual return | 12.87% | 135.16%-122.3pp | 420.54%-407.7pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,567 | $3,717-57.8% | $4,932-68.2% | $2,757-43.2% |
| Participant deferral / active EE | $3,201 | $6,652-51.9% | $8,065-60.3% | $4,300-25.6% |
| Admin fee / account holder | $16,324 | $7,953+105.2% | $12,993+25.6% | $6,925+135.7% |