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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 | $90,654 | $87,132+4.0% | $105,624-14.2% | $80,959+12.0% |
| Participation rate | 68.6% | 70.4%-1.9pp | 75.3%-6.7pp | 67.7%+0.9pp |
| Annual return | 11.53% | 17.03%-5.5pp | 116.20%-104.7pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,717 | $2,397-28.4% | $3,168-45.8% | $2,757-37.7% |
| Participant deferral / active EE | $3,070 | $3,985-23.0% | $5,013-38.8% | $4,300-28.6% |
| Admin fee / account holder | $3,420 | $8,449-59.5% | $10,961-68.8% | $6,925-50.6% |