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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 | $49,644 | $76,407-35.0% | $150,298-67.0% | $82,448-39.8% |
| Participation rate | 9.0% | 66.4%-57.4pp | 77.8%-68.8pp | 68.1%-59.1pp |
| Annual return | 136.64% | 39.99%+96.6pp | 62.79%+73.9pp | 41.64%+95.0pp |
| Employer contribution / active EE | $489 | $2,614-81.3% | $4,154-88.2% | $2,551-80.8% |
| Participant deferral / active EE | $1,197 | $3,214-62.8% | $5,453-78.0% | $4,139-71.1% |
| Admin fee / account holder | $2,827 | $6,352-55.5% | $14,116-80.0% | $7,234-60.9% |