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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 | $102,429-19.1% | $147,096-43.6% | $80,925+2.4% |
| Participation rate | 45.9% | 75.9%-29.9pp | 82.2%-36.2pp | 67.7%-21.7pp |
| Annual return | 12.87% | 135.02%-122.2pp | 419.75%-406.9pp | 35.65%-22.8pp |
| Employer contribution / active EE | $1,567 | $3,716-57.8% | $4,936-68.3% | $2,756-43.1% |
| Participant deferral / active EE | $3,201 | $6,649-51.9% | $8,071-60.3% | $4,299-25.5% |
| Admin fee / account holder | $16,324 | $7,957+105.2% | $13,005+25.5% | $6,940+135.2% |