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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 | $88,172 | $104,479-15.6% | $159,474-44.7% | $79,391+11.1% |
| Participation rate | 68.2% | 76.6%-8.4pp | 82.8%-14.6pp | 70.7%-2.5pp |
| Annual return | 16.95% | 67.98%-51.0pp | 263.68%-246.7pp | 116.88%-99.9pp |
| Employer contribution / active EE | $2,362 | $3,417-30.9% | $4,831-51.1% | $2,428-2.7% |
| Participant deferral / active EE | $5,197 | $6,468-19.6% | $7,353-29.3% | $4,046+28.5% |
| Admin fee / account holder | $3,200 | $711+349.8% | $10,802-70.4% | $627+410.7% |