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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 | $79,551 | $98,776-19.5% | $149,745-46.9% | $79,856-0.4% |
| Participation rate | 69.2% | 75.8%-6.6pp | 82.5%-13.3pp | 69.6%-0.4pp |
| Annual return | 15.10% | 27.38%-12.3pp | 276.72%-261.6pp | 31.71%-16.6pp |
| Employer contribution / active EE | $3,102 | $3,217-3.6% | $4,646-33.2% | $2,471+25.5% |
| Participant deferral / active EE | $6,919 | $5,681+21.8% | $6,843+1.1% | $3,741+85.0% |
| Admin fee / account holder | $4,529 | $6,053-25.2% | $9,312-51.4% | $5,306-14.7% |