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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 | $98,784 | $98,7660% | $149,730-34.0% | $79,852+23.7% |
| Participation rate | 67.9% | 75.8%-7.9pp | 82.5%-14.6pp | 69.6%-1.7pp |
| Annual return | 17.23% | 27.43%-10.2pp | 276.70%-259.5pp | 31.72%-14.5pp |
| Employer contribution / active EE | $3,160 | $3,217-1.8% | $4,645-32.0% | $2,471+27.9% |
| Participant deferral / active EE | $8,068 | $5,681+42.0% | $6,843+17.9% | $3,740+115.7% |
| Admin fee / account holder | $4,324 | $6,052-28.6% | $9,310-53.6% | $5,306-18.5% |