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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 | $75,612 | $116,360-35.0% | $65,566+15.3% | $139,466-45.8% |
| Participation rate | 54.5% | 67.8%-13.2pp | 64.9%-10.4pp | 80.3%-25.8pp |
| Annual return | 16.97% | 31.23%-14.3pp | 47.40%-30.4pp | 373.66%-356.7pp |
| Employer contribution / active EE | $1,397 | $2,600-46.3% | $1,692-17.4% | $4,754-70.6% |
| Participant deferral / active EE | $1,648 | $4,242-61.2% | $2,832-41.8% | $6,712-75.5% |
| Admin fee / account holder | $7,068 | $6,701+5.5% | $4,114+71.8% | $11,409-38.0% |