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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 | $61,419 | $60,442+1.6% | $96,754-36.5% | $87,485-29.8% |
| Participation rate | 17.9% | 58.7%-40.9pp | 70.3%-52.4pp | 68.9%-51.1pp |
| Annual return | 63.15% | 21.97%+41.2pp | 82.04%-18.9pp | 26.06%+37.1pp |
| Employer contribution / active EE | $356 | $1,691-79.0% | $2,679-86.7% | $2,596-86.3% |
| Participant deferral / active EE | $948 | $3,280-71.1% | $4,758-80.1% | $4,274-77.8% |
| Admin fee / account holder | $13,329 | $5,069+162.9% | $8,905+49.7% | $7,775+71.4% |