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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 | $85,954 | $123,000-30.1% | $105,582-18.6% | $198,609-56.7% |
| Participation rate | 55.6% | 76.8%-21.2pp | 71.8%-16.2pp | 82.4%-26.8pp |
| Annual return | 20.89% | 18.31%+2.6pp | 18.61%+2.3pp | 202.70%-181.8pp |
| Employer contribution / active EE | $2,051 | $3,582-42.7% | $2,984-31.3% | $5,055-59.4% |
| Participant deferral / active EE | $4,755 | $5,013-5.1% | $4,353+9.2% | $6,977-31.8% |
| Admin fee / account holder | $561 | $16,254-96.6% | $12,856-95.6% | $19,030-97.1% |