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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 | $73,433 | $85,171-13.8% | $172,752-57.5% | $72,975+0.6% |
| Participation rate | 68.6% | 70.1%-1.5pp | 82.6%-14.0pp | 69.5%-0.9pp |
| Annual return | 20.70% | 27.32%-6.6pp | 802.97%-782.3pp | 81.01%-60.3pp |
| Employer contribution / active EE | $1,487 | $3,324-55.3% | $5,144-71.1% | $2,440-39.1% |
| Participant deferral / active EE | $4,787 | $3,260+46.8% | $5,198-7.9% | $3,608+32.7% |
| Admin fee / account holder | $3,875 | $5,880-34.1% | $13,955-72.2% | $5,124-24.4% |