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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 | $73,637 | $77,920-5.5% | $149,723-50.8% | $75,177-2.0% |
| Participation rate | 60.0% | 65.6%-5.6pp | 78.8%-18.8pp | 67.2%-7.2pp |
| Annual return | 16.62% | 31.72%-15.1pp | 134.50%-117.9pp | 160.75%-144.1pp |
| Employer contribution / active EE | $857 | $3,138-72.7% | $4,821-82.2% | $2,671-67.9% |
| Participant deferral / active EE | $1,348 | $3,411-60.5% | $5,682-76.3% | $4,126-67.3% |
| Admin fee / account holder | $11,224 | $5,951+88.6% | $13,215-15.1% | $5,651+98.6% |