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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 | $61,724 | $63,924-3.4% | $108,582-43.2% | $55,167+11.9% |
| Participation rate | 59.8% | 74.3%-14.5pp | 79.6%-19.8pp | 69.0%-9.2pp |
| Annual return | 6.76% | 15.31%-8.5pp | -51.70%+58.5pp | 169.23%-162.5pp |
| Employer contribution / active EE | $764 | $1,879-59.4% | $3,758-79.7% | $1,963-61.1% |
| Participant deferral / active EE | $2,161 | $3,067-29.5% | $4,311-49.9% | $3,054-29.2% |
| Admin fee / account holder | $755 | $618+22.2% | $7,645-90.1% | $504+49.8% |