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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 | $78,667 | $84,236-6.6% | $170,435-53.8% | $70,126+12.2% |
| Participation rate | 48.9% | 70.8%-21.9pp | 83.6%-34.7pp | 69.5%-20.7pp |
| Annual return | 16.51% | 23.06%-6.6pp | 205.94%-189.4pp | 73.15%-56.6pp |
| Employer contribution / active EE | $1,138 | $3,387-66.4% | $5,432-79.1% | $2,343-51.4% |
| Participant deferral / active EE | $2,002 | $3,086-35.1% | $4,939-59.5% | $3,332-39.9% |
| Admin fee / account holder | $806 | $5,698-85.9% | $13,881-94.2% | $4,645-82.7% |