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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 | $26,534 | $84,236-68.5% | $170,435-84.4% | $70,126-62.2% |
| Participation rate | 47.5% | 70.8%-23.4pp | 83.6%-36.1pp | 69.5%-22.1pp |
| Annual return | 61.86% | 23.06%+38.8pp | 205.94%-144.1pp | 73.15%-11.3pp |
| Employer contribution / active EE | $478 | $3,387-85.9% | $5,432-91.2% | $2,343-79.6% |
| Participant deferral / active EE | $1,313 | $3,086-57.5% | $4,939-73.4% | $3,332-60.6% |
| Admin fee / account holder | $684 | $5,698-88.0% | $13,881-95.1% | $4,645-85.3% |