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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 | $82,254 | $93,598-12.1% | $135,974-39.5% | $75,173+9.4% |
| Participation rate | 63.6% | 75.2%-11.6pp | 81.9%-18.3pp | 67.2%-3.6pp |
| Annual return | 21.31% | 30.89%-9.6pp | 68.30%-47.0pp | 160.72%-139.4pp |
| Employer contribution / active EE | $1,711 | $3,538-51.6% | $4,859-64.8% | $2,671-35.9% |
| Participant deferral / active EE | $6,172 | $6,405-3.6% | $7,760-20.5% | $4,126+49.6% |
| Admin fee / account holder | $9,646 | $6,978+38.2% | $10,767-10.4% | $5,651+70.7% |