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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 | $56,641 | $45,438+24.7% | $80,004-29.2% | $59,633-5.0% |
| Participation rate | 66.7% | 63.7%+2.9pp | 73.0%-6.3pp | 68.7%-2.0pp |
| Annual return | -1.66% | 5.10%-6.8pp | 7.63%-9.3pp | 2041.40%-2043.1pp |
| Employer contribution / active EE | $312 | $1,236-74.8% | $2,473-87.4% | $2,203-85.9% |
| Participant deferral / active EE | $3,850 | $2,231+72.6% | $3,204+20.2% | $3,192+20.6% |
| Admin fee / account holder | $4,962 | $3,464+43.2% | $5,033-1.4% | $4,297+15.5% |