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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 | $70,286 | $61,815+13.7% | $97,295-27.8% | $80,959-13.2% |
| Participation rate | 24.2% | 63.5%-39.2pp | 72.7%-48.4pp | 67.7%-43.4pp |
| Annual return | 12.16% | -558.73%+570.9pp | 75.62%-63.5pp | 35.67%-23.5pp |
| Employer contribution / active EE | $596 | $1,836-67.5% | $2,723-78.1% | $2,757-78.4% |
| Participant deferral / active EE | $982 | $3,027-67.6% | $4,264-77.0% | $4,300-77.2% |
| Admin fee / account holder | $7,088 | $5,166+37.2% | $5,646+25.5% | $6,925+2.3% |