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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 | $71,536 | $60,442+18.4% | $96,754-26.1% | $87,485-18.2% |
| Participation rate | 15.8% | 58.7%-42.9pp | 70.3%-54.5pp | 68.9%-53.1pp |
| Annual return | 20.72% | 21.97%-1.3pp | 82.04%-61.3pp | 26.06%-5.3pp |
| Employer contribution / active EE | $401 | $1,691-76.3% | $2,679-85.0% | $2,596-84.6% |
| Participant deferral / active EE | $1,836 | $3,280-44.0% | $4,758-61.4% | $4,274-57.0% |
| Admin fee / account holder | $666 | $5,069-86.9% | $8,905-92.5% | $7,775-91.4% |