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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 | $76,509 | $85,171-10.2% | $172,752-55.7% | $72,975+4.8% |
| Participation rate | 40.7% | 70.1%-29.3pp | 82.6%-41.9pp | 69.5%-28.7pp |
| Annual return | 20.07% | 27.32%-7.2pp | 802.97%-782.9pp | 81.01%-60.9pp |
| Employer contribution / active EE | $970 | $3,324-70.8% | $5,144-81.1% | $2,440-60.2% |
| Participant deferral / active EE | $1,648 | $3,260-49.4% | $5,198-68.3% | $3,608-54.3% |
| Admin fee / account holder | $5,070 | $5,880-13.8% | $13,955-63.7% | $5,124-1.1% |