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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 | $53,592 | $49,896+7.4% | $80,627-33.5% | $75,173-28.7% |
| Participation rate | 47.4% | 55.3%-8.0pp | 67.0%-19.6pp | 67.2%-19.8pp |
| Annual return | 14.13% | 34.67%-20.5pp | 936.76%-922.6pp | 160.72%-146.6pp |
| Employer contribution / active EE | $391 | $1,699-77.0% | $2,723-85.7% | $2,671-85.4% |
| Participant deferral / active EE | $3,514 | $2,992+17.5% | $4,443-20.9% | $4,126-14.8% |
| Admin fee / account holder | $5,127 | $3,578+43.3% | $5,381-4.7% | $5,651-9.3% |