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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 | $71,118 | $46,877+51.7% | $122,354-41.9% | $70,126+1.4% |
| Participation rate | 46.8% | 58.2%-11.4pp | 71.6%-24.8pp | 69.5%-22.7pp |
| Annual return | 17.10% | 24.22%-7.1pp | 30.28%-13.2pp | 73.15%-56.1pp |
| Employer contribution / active EE | $726 | $1,288-43.6% | $4,051-82.1% | $2,343-69.0% |
| Participant deferral / active EE | $1,526 | $2,167-29.6% | $3,287-53.6% | $3,332-54.2% |
| Admin fee / account holder | $6,559 | $3,324+97.3% | $5,479+19.7% | $4,645+41.2% |