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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 | $81,746 | $76,407+7.0% | $150,298-45.6% | $82,448-0.9% |
| Participation rate | 27.6% | 66.4%-38.8pp | 77.8%-50.2pp | 68.1%-40.5pp |
| Annual return | 20.30% | 39.99%-19.7pp | 62.79%-42.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $336 | $2,614-87.1% | $4,154-91.9% | $2,551-86.8% |
| Participant deferral / active EE | $1,503 | $3,214-53.2% | $5,453-72.4% | $4,139-63.7% |
| Admin fee / account holder | $718 | $6,352-88.7% | $14,116-94.9% | $7,234-90.1% |