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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 | $21,884 | $111,785-80.4% | $93,669-76.6% | $145,877-85.0% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 12.25% | 203.79%-191.5pp | 133.59%-121.3pp | 551.28%-539.0pp |
| Employer contribution / active EE | $2,803 | $3,096-9.5% | $2,424+15.7% | $4,663-39.9% |
| Participant deferral / active EE | $6,259 | $4,919+27.3% | $4,416+41.8% | $6,691-6.4% |
| Admin fee / account holder | $5,491 | $10,256-46.5% | $8,291-33.8% | $13,402-59.0% |