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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 | $85,610 | $98,776-13.3% | $149,745-42.8% | $79,856+7.2% |
| Participation rate | 66.0% | 75.8%-9.8pp | 82.5%-16.5pp | 69.6%-3.7pp |
| Annual return | 15.82% | 27.38%-11.6pp | 276.72%-260.9pp | 31.71%-15.9pp |
| Employer contribution / active EE | $2,425 | $3,217-24.6% | $4,646-47.8% | $2,471-1.9% |
| Participant deferral / active EE | $4,904 | $5,681-13.7% | $6,843-28.3% | $3,741+31.1% |
| Admin fee / account holder | $2,849 | $6,053-52.9% | $9,312-69.4% | $5,306-46.3% |