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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 | $70,654 | $49,024+44.1% | $112,860-37.4% | $87,485-19.2% |
| Participation rate | 28.6% | 62.2%-33.6pp | 66.3%-37.7pp | 68.9%-40.4pp |
| Annual return | 14.54% | 43.86%-29.3pp | 35.26%-20.7pp | 26.06%-11.5pp |
| Employer contribution / active EE | $571 | $1,290-55.7% | $2,206-74.1% | $2,596-78.0% |
| Participant deferral / active EE | $1,272 | $2,209-42.4% | $3,493-63.6% | $4,274-70.2% |
| Admin fee / account holder | $11,819 | $6,266+88.6% | $6,841+72.8% | $7,775+52.0% |