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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 | $78,621 | $69,977+12.4% | $108,582-27.6% | $62,881+25.0% |
| Participation rate | 62.5% | 72.9%-10.4pp | 79.6%-17.1pp | 69.3%-6.8pp |
| Annual return | 9.98% | 10.73%-0.8pp | -51.70%+61.7pp | 20.14%-10.2pp |
| Employer contribution / active EE | $973 | $2,135-54.4% | $3,758-74.1% | $2,281-57.3% |
| Participant deferral / active EE | $3,611 | $3,165+14.1% | $4,311-16.2% | $3,203+12.7% |
| Admin fee / account holder | $13,538 | $5,076+166.7% | $7,645+77.1% | $4,296+215.2% |