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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 | $90,583 | $102,422-11.6% | $147,117-38.4% | $80,959+11.9% |
| Participation rate | 65.4% | 75.9%-10.5pp | 82.2%-16.8pp | 67.7%-2.3pp |
| Annual return | 18.24% | 135.16%-116.9pp | 420.54%-402.3pp | 35.67%-17.4pp |
| Employer contribution / active EE | $2,648 | $3,717-28.8% | $4,932-46.3% | $2,757-4.0% |
| Participant deferral / active EE | $5,102 | $6,652-23.3% | $8,065-36.7% | $4,300+18.6% |
| Admin fee / account holder | $720 | $7,953-91.0% | $12,993-94.5% | $6,925-89.6% |