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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 | $72,290 | $61,125+18.3% | $94,057-23.1% | $87,485-17.4% |
| Participation rate | 38.3% | 64.1%-25.8pp | 73.3%-35.0pp | 68.9%-30.6pp |
| Annual return | 12.72% | 35.20%-22.5pp | 480.62%-467.9pp | 26.06%-13.3pp |
| Employer contribution / active EE | $358 | $2,136-83.2% | $2,933-87.8% | $2,596-86.2% |
| Participant deferral / active EE | $1,477 | $3,260-54.7% | $4,709-68.6% | $4,274-65.4% |
| Admin fee / account holder | $7,098 | $5,629+26.1% | $7,244-2.0% | $7,775-8.7% |