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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 | $72,076 | $79,449-9.3% | $189,575-62.0% | $85,847-16.0% |
| Participation rate | 67.4% | 66.0%+1.4pp | 78.4%-11.1pp | 69.3%-1.9pp |
| Annual return | 15.51% | 18.45%-2.9pp | 64.19%-48.7pp | 318.61%-303.1pp |
| Employer contribution / active EE | $974 | $2,081-53.2% | $4,412-77.9% | $2,565-62.0% |
| Participant deferral / active EE | $2,793 | $4,051-31.1% | $6,174-54.8% | $3,952-29.3% |
| Admin fee / account holder | $11,172 | $5,377+107.8% | $9,806+13.9% | $6,261+78.5% |