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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 | $94,231 | $98,240-4.1% | $82,312+14.5% | $147,586-36.2% |
| Participation rate | 66.7% | 79.7%-13.1pp | 76.9%-10.2pp | 82.8%-16.2pp |
| Annual return | 14.46% | 30.85%-16.4pp | 25.88%-11.4pp | 578.59%-564.1pp |
| Employer contribution / active EE | $2,327 | $3,192-27.1% | $2,428-4.2% | $4,876-52.3% |
| Participant deferral / active EE | $4,066 | $4,383-7.2% | $3,706+9.7% | $5,439-25.2% |
| Admin fee / account holder | $2,800 | $8,563-67.3% | $5,608-50.1% | $10,886-74.3% |