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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 | $94,152 | $102,429-8.1% | $147,096-36.0% | $80,925+16.3% |
| Participation rate | 56.3% | 75.9%-19.5pp | 82.2%-25.8pp | 67.7%-11.3pp |
| Annual return | 17.93% | 135.02%-117.1pp | 419.75%-401.8pp | 35.65%-17.7pp |
| Employer contribution / active EE | $2,663 | $3,716-28.3% | $4,936-46.0% | $2,756-3.4% |
| Participant deferral / active EE | $6,250 | $6,649-6.0% | $8,071-22.6% | $4,299+45.4% |
| Admin fee / account holder | $6,416 | $7,957-19.4% | $13,005-50.7% | $6,940-7.6% |