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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 | $68,280 | $58,258+17.2% | $81,820-16.5% | $80,925-15.6% |
| Participation rate | 38.5% | 63.5%-25.0pp | 72.4%-33.9pp | 67.7%-29.2pp |
| Annual return | 11.59% | 41.76%-30.2pp | 777.93%-766.3pp | 35.65%-24.1pp |
| Employer contribution / active EE | $568 | $2,345-75.8% | $2,915-80.5% | $2,756-79.4% |
| Participant deferral / active EE | $933 | $3,284-71.6% | $4,323-78.4% | $4,299-78.3% |
| Admin fee / account holder | $8,419 | $4,976+69.2% | $7,391+13.9% | $6,940+21.3% |