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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 | $25,263 | $70,666-64.3% | $169,385-85.1% | $75,181-66.4% |
| Participation rate | 51.9% | 64.8%-12.9pp | 77.2%-25.3pp | 67.2%-15.3pp |
| Annual return | 14.90% | 36.37%-21.5pp | 405.82%-390.9pp | 160.69%-145.8pp |
| Employer contribution / active EE | $705 | $2,210-68.1% | $4,012-82.4% | $2,671-73.6% |
| Participant deferral / active EE | $3,404 | $4,308-21.0% | $6,221-45.3% | $4,126-17.5% |
| Admin fee / account holder | $7,308 | $5,402+35.3% | $9,011-18.9% | $5,650+29.4% |