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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 | $79,248 | $93,589-15.3% | $135,942-41.7% | $75,181+5.4% |
| Participation rate | 58.2% | 75.2%-17.0pp | 81.9%-23.7pp | 67.2%-9.0pp |
| Annual return | 17.87% | 30.90%-13.0pp | 68.28%-50.4pp | 160.69%-142.8pp |
| Employer contribution / active EE | $2,249 | $3,537-36.4% | $4,858-53.7% | $2,671-15.8% |
| Participant deferral / active EE | $4,509 | $6,405-29.6% | $7,759-41.9% | $4,126+9.3% |
| Admin fee / account holder | $9,175 | $6,977+31.5% | $10,764-14.8% | $5,650+62.4% |