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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 | $85,648 | $96,508-11.3% | $75,901+12.8% | $152,897-44.0% |
| Participation rate | 40.0% | 76.2%-36.2pp | 69.3%-29.3pp | 82.5%-42.5pp |
| Annual return | 13.78% | 33.99%-20.2pp | 30.76%-17.0pp | 345.43%-331.6pp |
| Employer contribution / active EE | $2,610 | $3,310-21.2% | $2,501+4.4% | $4,764-45.2% |
| Participant deferral / active EE | $3,850 | $4,554-15.4% | $3,603+6.8% | $5,851-34.2% |
| Admin fee / account holder | $439,869 | $8,081+5343.5% | $5,420+8015.4% | $11,599+3692.2% |