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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 | $86,492 | $93,598-7.6% | $135,974-36.4% | $75,173+15.1% |
| Participation rate | 63.0% | 75.2%-12.2pp | 81.9%-19.0pp | 67.2%-4.2pp |
| Annual return | 15.94% | 30.89%-14.9pp | 68.30%-52.4pp | 160.72%-144.8pp |
| Employer contribution / active EE | $984 | $3,538-72.2% | $4,859-79.7% | $2,671-63.2% |
| Participant deferral / active EE | $4,920 | $6,405-23.2% | $7,760-36.6% | $4,126+19.2% |
| Admin fee / account holder | $531 | $6,978-92.4% | $10,767-95.1% | $5,651-90.6% |