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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 | $83,381 | $88,672-6.0% | $105,223-20.8% | $82,448+1.1% |
| Participation rate | 47.5% | 67.9%-20.4pp | 75.0%-27.5pp | 68.1%-20.6pp |
| Annual return | 16.45% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,154 | $3,048-29.3% | $3,689-41.6% | $2,551-15.6% |
| Participant deferral / active EE | $4,457 | $4,036+10.4% | $5,072-12.1% | $4,139+7.7% |
| Admin fee / account holder | $10,923 | $7,146+52.9% | $8,859+23.3% | $7,234+51.0% |