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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 | $84,889 | $102,429-17.1% | $147,096-42.3% | $80,925+4.9% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 14.55% | 135.02%-120.5pp | 419.75%-405.2pp | 35.65%-21.1pp |
| Employer contribution / active EE | $4,148 | $3,716+11.6% | $4,936-16.0% | $2,756+50.5% |
| Participant deferral / active EE | $8,922 | $6,649+34.2% | $8,071+10.5% | $4,299+107.5% |
| Admin fee / account holder | $2,473 | $7,957-68.9% | $13,005-81.0% | $6,940-64.4% |