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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 | $90,314 | $146,267-38.3% | $197,124-54.2% | $82,448+9.5% |
| Participation rate | 51.4% | 84.0%-32.6pp | 86.7%-35.3pp | 68.1%-16.6pp |
| Annual return | 21.57% | 29.61%-8.0pp | 44.34%-22.8pp | 41.64%-20.1pp |
| Employer contribution / active EE | $3,320 | $4,723-29.7% | $6,227-46.7% | $2,551+30.1% |
| Participant deferral / active EE | $8,835 | $7,035+25.6% | $9,135-3.3% | $4,139+113.4% |
| Admin fee / account holder | $1,000 | $14,422-93.1% | $16,298-93.9% | $7,234-86.2% |