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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 | $59,742 | $99,994-40.3% | $146,643-59.3% | $85,847-30.4% |
| Participation rate | 69.5% | 73.1%-3.6pp | 80.1%-10.6pp | 69.3%+0.2pp |
| Annual return | 14.43% | 18.93%-4.5pp | 22.75%-8.3pp | 318.61%-304.2pp |
| Employer contribution / active EE | $821 | $2,559-67.9% | $4,137-80.2% | $2,565-68.0% |
| Participant deferral / active EE | $4,178 | $4,006+4.3% | $5,506-24.1% | $3,952+5.7% |
| Admin fee / account holder | $38,222 | $7,703+396.2% | $10,280+271.8% | $6,261+510.5% |