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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 | $70,836 | $73,107-3.1% | $114,563-38.2% | $87,485-19.0% |
| Participation rate | 14.0% | 65.8%-51.8pp | 72.9%-58.9pp | 68.9%-55.0pp |
| Annual return | 21.29% | 19.47%+1.8pp | 241.09%-219.8pp | 26.06%-4.8pp |
| Employer contribution / active EE | $513 | $1,881-72.7% | $2,592-80.2% | $2,596-80.2% |
| Participant deferral / active EE | $1,766 | $3,144-43.8% | $4,142-57.4% | $4,274-58.7% |
| Admin fee / account holder | $11,080 | $5,770+92.0% | $7,623+45.3% | $7,775+42.5% |