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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 | $60,702 | $77,908-22.1% | $149,696-59.4% | $75,173-19.3% |
| Participation rate | 65.9% | 65.6%+0.3pp | 78.8%-12.9pp | 67.2%-1.4pp |
| Annual return | 13.86% | 31.73%-17.9pp | 134.46%-120.6pp | 160.72%-146.9pp |
| Employer contribution / active EE | $850 | $3,138-72.9% | $4,821-82.4% | $2,671-68.2% |
| Participant deferral / active EE | $1,741 | $3,411-48.9% | $5,682-69.4% | $4,126-57.8% |
| Admin fee / account holder | $1,406 | $5,950-76.4% | $13,212-89.4% | $5,651-75.1% |