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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 | $79,054 | $83,090-4.9% | $130,062-39.2% | $71,529+10.5% |
| Participation rate | 43.2% | 74.1%-30.9pp | 78.5%-35.3pp | 67.9%-24.7pp |
| Annual return | 22.40% | 20.61%+1.8pp | -137.37%+159.8pp | 28.97%-6.6pp |
| Employer contribution / active EE | $1,379 | $2,624-47.4% | $4,322-68.1% | $2,590-46.8% |
| Participant deferral / active EE | $2,562 | $4,436-42.2% | $5,821-56.0% | $4,291-40.3% |
| Admin fee / account holder | $1,326 | $1,727-23.2% | $10,601-87.5% | $1,588-16.6% |