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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 | $74,308 | $85,171-12.8% | $172,753-57.0% | $72,976+1.8% |
| Participation rate | 51.9% | 70.1%-18.2pp | 82.6%-30.8pp | 69.5%-17.6pp |
| Annual return | 32.11% | 27.32%+4.8pp | 803.00%-770.9pp | 81.02%-48.9pp |
| Employer contribution / active EE | $609 | $3,324-81.7% | $5,144-88.2% | $2,440-75.0% |
| Participant deferral / active EE | $1,137 | $3,260-65.1% | $5,198-78.1% | $3,608-68.5% |
| Admin fee / account holder | $2,117 | $5,880-64.0% | $13,956-84.8% | $5,124-58.7% |