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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 | $82,351 | $47,848+72.1% | $81,473+1.1% | $70,126+17.4% |
| Participation rate | 63.9% | 58.3%+5.6pp | 68.0%-4.1pp | 69.5%-5.7pp |
| Annual return | 16.51% | 27.25%-10.7pp | 38.78%-22.3pp | 73.15%-56.6pp |
| Employer contribution / active EE | $231 | $1,527-84.8% | $2,568-91.0% | $2,343-90.1% |
| Participant deferral / active EE | $1,831 | $2,453-25.4% | $3,537-48.2% | $3,332-45.1% |
| Admin fee / account holder | $14,229 | $3,145+352.4% | $4,561+211.9% | $4,645+206.3% |