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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 | $82,231 | $93,589-12.1% | $135,942-39.5% | $75,181+9.4% |
| Participation rate | 65.0% | 75.2%-10.2pp | 81.9%-16.9pp | 67.2%-2.2pp |
| Annual return | 20.23% | 30.90%-10.7pp | 68.28%-48.0pp | 160.69%-140.5pp |
| Employer contribution / active EE | $940 | $3,537-73.4% | $4,858-80.6% | $2,671-64.8% |
| Participant deferral / active EE | $4,771 | $6,405-25.5% | $7,759-38.5% | $4,126+15.6% |
| Admin fee / account holder | $8,505 | $6,977+21.9% | $10,764-21.0% | $5,650+50.5% |