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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 | $91,602 | $69,977+30.9% | $108,582-15.6% | $62,881+45.7% |
| Participation rate | 64.7% | 72.9%-8.2pp | 79.6%-14.9pp | 69.3%-4.6pp |
| Annual return | 7.47% | 10.73%-3.3pp | -51.70%+59.2pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,365 | $2,135-36.1% | $3,758-63.7% | $2,281-40.2% |
| Participant deferral / active EE | $1,743 | $3,165-44.9% | $4,311-59.6% | $3,203-45.6% |
| Admin fee / account holder | $8,490 | $5,076+67.2% | $7,645+11.1% | $4,296+97.6% |