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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 | $76,495 | $98,766-22.5% | $149,730-48.9% | $79,852-4.2% |
| Participation rate | 61.0% | 75.8%-14.8pp | 82.5%-21.5pp | 69.6%-8.7pp |
| Annual return | 14.57% | 27.43%-12.9pp | 276.70%-262.1pp | 31.72%-17.1pp |
| Employer contribution / active EE | $1,147 | $3,217-64.3% | $4,645-75.3% | $2,471-53.6% |
| Participant deferral / active EE | $4,566 | $5,681-19.6% | $6,843-33.3% | $3,740+22.1% |
| Admin fee / account holder | $4,255 | $6,052-29.7% | $9,310-54.3% | $5,306-19.8% |