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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 | $80,731 | $102,429-21.2% | $147,096-45.1% | $80,925-0.2% |
| Participation rate | 48.3% | 75.9%-27.6pp | 82.2%-33.9pp | 67.7%-19.4pp |
| Annual return | 13.51% | 135.02%-121.5pp | 419.75%-406.2pp | 35.65%-22.1pp |
| Employer contribution / active EE | $2,817 | $3,716-24.2% | $4,936-42.9% | $2,756+2.2% |
| Participant deferral / active EE | $5,107 | $6,649-23.2% | $8,071-36.7% | $4,299+18.8% |
| Admin fee / account holder | $1,878 | $7,957-76.4% | $13,005-85.6% | $6,940-72.9% |