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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 | $85,377 | $88,672-3.7% | $105,223-18.9% | $82,448+3.6% |
| Participation rate | 65.4% | 67.9%-2.5pp | 75.0%-9.7pp | 68.1%-2.7pp |
| Annual return | 20.86% | 30.86%-10.0pp | 180.65%-159.8pp | 41.64%-20.8pp |
| Employer contribution / active EE | $2,106 | $3,048-30.9% | $3,689-42.9% | $2,551-17.4% |
| Participant deferral / active EE | $6,222 | $4,036+54.2% | $5,072+22.7% | $4,139+50.3% |
| Admin fee / account holder | $561 | $7,146-92.2% | $8,859-93.7% | $7,234-92.2% |