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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 | $88,151 | $102,429-13.9% | $147,096-40.1% | $80,925+8.9% |
| Participation rate | 68.6% | 75.9%-7.2pp | 82.2%-13.6pp | 67.7%+1.0pp |
| Annual return | 16.04% | 135.02%-119.0pp | 419.75%-403.7pp | 35.65%-19.6pp |
| Employer contribution / active EE | $2,402 | $3,716-35.3% | $4,936-51.3% | $2,756-12.8% |
| Participant deferral / active EE | $4,415 | $6,649-33.6% | $8,071-45.3% | $4,299+2.7% |
| Admin fee / account holder | $1,169 | $7,957-85.3% | $13,005-91.0% | $6,940-83.1% |