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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 | $80,755 | $69,977+15.4% | $108,582-25.6% | $62,881+28.4% |
| Participation rate | 66.7% | 72.9%-6.2pp | 79.6%-12.9pp | 69.3%-2.6pp |
| Annual return | 7.53% | 10.73%-3.2pp | -51.70%+59.2pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,395 | $2,135-34.7% | $3,758-62.9% | $2,281-38.9% |
| Participant deferral / active EE | $3,623 | $3,165+14.5% | $4,311-15.9% | $3,203+13.1% |
| Admin fee / account holder | $6,346 | $5,076+25.0% | $7,645-17.0% | $4,296+47.7% |