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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 | $112,761 | $73,787+52.8% | $98,716+14.2% | $82,448+36.8% |
| Participation rate | 63.5% | 61.4%+2.1pp | 69.3%-5.8pp | 68.1%-4.6pp |
| Annual return | 15.02% | 18.57%-3.5pp | 31.81%-16.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $473 | $1,511-68.7% | $2,279-79.2% | $2,551-81.4% |
| Participant deferral / active EE | $2,768 | $3,081-10.2% | $4,048-31.6% | $4,139-33.1% |
| Admin fee / account holder | $26,564 | $6,500+308.7% | $8,703+205.2% | $7,234+267.2% |