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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 | $62,415 | $61,338+1.8% | $149,717-58.3% | $71,495-12.7% |
| Participation rate | 12.6% | 62.5%-50.0pp | 78.8%-66.2pp | 67.9%-55.4pp |
| Annual return | 18.45% | 35.86%-17.4pp | 134.41%-116.0pp | 28.85%-10.4pp |
| Employer contribution / active EE | $368 | $2,381-84.5% | $4,820-92.4% | $2,589-85.8% |
| Participant deferral / active EE | $870 | $2,919-70.2% | $5,682-84.7% | $4,291-79.7% |
| Admin fee / account holder | $2,525 | $1,263+100.0% | $13,213-80.9% | $1,588+59.0% |