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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 | $84,466 | $89,367-5.5% | $141,191-40.2% | $72,975+15.7% |
| Participation rate | 68.1% | 75.1%-7.0pp | 82.5%-14.4pp | 69.5%-1.4pp |
| Annual return | 29.53% | 111.87%-82.3pp | 71.41%-41.9pp | 81.01%-51.5pp |
| Employer contribution / active EE | $1,982 | $3,115-36.4% | $4,736-58.1% | $2,440-18.8% |
| Participant deferral / active EE | $4,104 | $5,419-24.3% | $6,710-38.8% | $3,608+13.8% |
| Admin fee / account holder | $3,246 | $5,957-45.5% | $10,264-68.4% | $5,124-36.7% |