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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 | $77,887 | $51,620+50.9% | $90,304-13.8% | $65,185+19.5% |
| Participation rate | 39.8% | 68.6%-28.8pp | 73.3%-33.5pp | 70.2%-30.4pp |
| Annual return | 25.45% | 24.94%+0.5pp | 78.13%-52.7pp | 29.38%-3.9pp |
| Employer contribution / active EE | $367 | $2,235-83.6% | $2,855-87.1% | $2,177-83.1% |
| Participant deferral / active EE | $2,539 | $2,871-11.5% | $3,885-34.6% | $3,514-27.7% |
| Admin fee / account holder | $702 | $384+82.7% | $5,354-86.9% | $847-17.1% |