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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 | $66,447 | $48,053+38.3% | $84,628-21.5% | $72,975-8.9% |
| Participation rate | 28.6% | 57.6%-29.0pp | 68.2%-39.7pp | 69.5%-40.9pp |
| Annual return | 21.74% | 37.39%-15.6pp | 258.80%-237.1pp | 81.01%-59.3pp |
| Employer contribution / active EE | $537 | $1,602-66.5% | $2,653-79.8% | $2,440-78.0% |
| Participant deferral / active EE | $2,010 | $2,681-25.0% | $3,900-48.4% | $3,608-44.3% |
| Admin fee / account holder | $7,980 | $3,395+135.0% | $4,914+62.4% | $5,124+55.7% |