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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 | $69,829 | $58,311+19.8% | $81,882-14.7% | $80,959-13.7% |
| Participation rate | 43.2% | 63.5%-20.2pp | 72.4%-29.1pp | 67.7%-24.4pp |
| Annual return | 11.30% | 41.85%-30.6pp | 779.47%-768.2pp | 35.67%-24.4pp |
| Employer contribution / active EE | $826 | $2,347-64.8% | $2,916-71.7% | $2,757-70.0% |
| Participant deferral / active EE | $1,482 | $3,287-54.9% | $4,323-65.7% | $4,300-65.5% |
| Admin fee / account holder | $605 | $4,752-87.3% | $7,360-91.8% | $6,925-91.3% |