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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 | $63,835 | $81,208-21.4% | $98,920-35.5% | $79,856-20.1% |
| Participation rate | 65.2% | 72.5%-7.3pp | 76.0%-10.9pp | 69.6%-4.5pp |
| Annual return | 14.67% | 60.99%-46.3pp | 196.47%-181.8pp | 31.71%-17.0pp |
| Employer contribution / active EE | $703 | $1,960-64.1% | $2,689-73.9% | $2,471-71.6% |
| Participant deferral / active EE | $2,659 | $3,265-18.6% | $4,245-37.4% | $3,741-28.9% |
| Admin fee / account holder | $15,807 | $6,013+162.9% | $6,643+138.0% | $5,306+197.9% |