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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 | $70,505 | $52,279+34.9% | $89,414-21.1% | $79,852-11.7% |
| Participation rate | 17.9% | 57.5%-39.6pp | 68.0%-50.0pp | 69.6%-51.7pp |
| Annual return | 16.65% | 22.16%-5.5pp | 245.50%-228.9pp | 31.72%-15.1pp |
| Employer contribution / active EE | $448 | $1,572-71.5% | $2,586-82.7% | $2,471-81.9% |
| Participant deferral / active EE | $1,493 | $2,740-45.5% | $3,890-61.6% | $3,740-60.1% |
| Admin fee / account holder | $1,358 | $3,356-59.6% | $4,883-72.2% | $5,306-74.4% |