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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 | $75,542 | $66,673+13.3% | $203,872-62.9% | $65,306+15.7% |
| Participation rate | 27.2% | 53.8%-26.6pp | 77.8%-50.6pp | 57.7%-30.5pp |
| Annual return | 16.49% | 15.81%+0.7pp | 85.11%-68.6pp | 21.94%-5.4pp |
| Employer contribution / active EE | $720 | $1,702-57.7% | $3,757-80.9% | $1,967-63.4% |
| Participant deferral / active EE | $1,470 | $2,944-50.1% | $6,388-77.0% | $2,959-50.3% |
| Admin fee / account holder | $3,738 | $5,686-34.3% | $11,730-68.1% | $3,480+7.4% |