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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 | $96,798 | $102,429-5.5% | $147,096-34.2% | $80,925+19.6% |
| Participation rate | 59.4% | 75.9%-16.5pp | 82.2%-22.8pp | 67.7%-8.3pp |
| Annual return | 15.84% | 135.02%-119.2pp | 419.75%-403.9pp | 35.65%-19.8pp |
| Employer contribution / active EE | $1,659 | $3,716-55.3% | $4,936-66.4% | $2,756-39.8% |
| Participant deferral / active EE | $6,393 | $6,649-3.8% | $8,071-20.8% | $4,299+48.7% |
| Admin fee / account holder | $13,813 | $7,957+73.6% | $13,005+6.2% | $6,940+99.0% |