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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 | $78,175 | $58,099+34.6% | $76,902+1.7% | $75,177+4.0% |
| Participation rate | 34.4% | 63.9%-29.5pp | 69.6%-35.2pp | 67.2%-32.8pp |
| Annual return | 23.70% | 26.71%-3.0pp | 37.91%-14.2pp | 160.75%-137.0pp |
| Employer contribution / active EE | $753 | $1,996-62.2% | $2,534-70.3% | $2,671-71.8% |
| Participant deferral / active EE | $1,626 | $2,999-45.8% | $3,833-57.6% | $4,126-60.6% |
| Admin fee / account holder | $15,139 | $4,778+216.9% | $5,479+176.3% | $5,651+167.9% |