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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 | $22,635 | $91,179-75.2% | $178,499-87.3% | $79,852-71.7% |
| Participation rate | 56.8% | 69.2%-12.4pp | 81.9%-25.1pp | 69.6%-12.8pp |
| Annual return | 67.16% | 24.19%+43.0pp | 151.10%-83.9pp | 31.72%+35.4pp |
| Employer contribution / active EE | $636 | $3,256-80.5% | $5,011-87.3% | $2,471-74.3% |
| Participant deferral / active EE | $1,859 | $3,236-42.6% | $5,202-64.3% | $3,740-50.3% |
| Admin fee / account holder | $5,328 | $6,749-21.0% | $13,986-61.9% | $5,306+0.4% |