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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 | $71,944 | $95,664-24.8% | $76,902-6.4% | $139,487-48.4% |
| Participation rate | 68.4% | 74.0%-5.6pp | 69.6%-1.2pp | 80.3%-11.9pp |
| Annual return | 15.27% | 55.03%-39.8pp | 37.91%-22.6pp | 373.84%-358.6pp |
| Employer contribution / active EE | $3,156 | $3,147+0.3% | $2,534+24.6% | $4,755-33.6% |
| Participant deferral / active EE | $6,922 | $4,626+49.6% | $3,833+80.6% | $6,713+3.1% |
| Admin fee / account holder | $633 | $8,311-92.4% | $5,479-88.4% | $11,407-94.4% |