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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 | $77,254 | $55,889+38.2% | $76,119+1.5% | $80,935-4.5% |
| Participation rate | 50.0% | 62.1%-12.1pp | 69.1%-19.1pp | 67.7%-17.7pp |
| Annual return | 11.67% | 20.58%-8.9pp | 361.25%-349.6pp | 35.66%-24.0pp |
| Employer contribution / active EE | $551 | $1,866-70.5% | $2,693-79.5% | $2,757-80.0% |
| Participant deferral / active EE | $1,946 | $3,051-36.2% | $4,259-54.3% | $4,299-54.7% |
| Admin fee / account holder | $16,420 | $5,241+213.3% | $6,421+155.7% | $6,924+137.1% |