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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 | $92,944 | $102,385-9.2% | $147,080-36.8% | $80,935+14.8% |
| Participation rate | 64.5% | 75.9%-11.4pp | 82.2%-17.7pp | 67.7%-3.1pp |
| Annual return | 15.95% | 135.09%-119.1pp | 420.17%-404.2pp | 35.66%-19.7pp |
| Employer contribution / active EE | $2,478 | $3,717-33.3% | $4,933-49.8% | $2,757-10.1% |
| Participant deferral / active EE | $6,802 | $6,651+2.3% | $8,066-15.7% | $4,299+58.2% |
| Admin fee / account holder | $2,754 | $7,951-65.4% | $12,989-78.8% | $6,924-60.2% |