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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 | $71,002 | $48,053+47.8% | $84,637-16.1% | $72,976-2.7% |
| Participation rate | 28.8% | 57.6%-28.8pp | 68.2%-39.4pp | 69.5%-40.7pp |
| Annual return | 32.98% | 37.39%-4.4pp | 258.82%-225.8pp | 81.02%-48.0pp |
| Employer contribution / active EE | $859 | $1,602-46.4% | $2,653-67.6% | $2,440-64.8% |
| Participant deferral / active EE | $1,889 | $2,681-29.5% | $3,900-51.6% | $3,608-47.6% |
| Admin fee / account holder | $737 | $3,395-78.3% | $4,914-85.0% | $5,124-85.6% |