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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 | $62,448 | $36,002+73.5% | $161,489-61.3% | $64,728-3.5% |
| Participation rate | 26.7% | 57.4%-30.8pp | 78.7%-52.0pp | 57.9%-31.2pp |
| Annual return | 14.84% | 33.93%-19.1pp | 89.72%-74.9pp | 49.38%-34.5pp |
| Employer contribution / active EE | $568 | $1,380-58.8% | $4,268-86.7% | $2,243-74.7% |
| Participant deferral / active EE | $1,547 | $1,815-14.7% | $5,630-72.5% | $2,729-43.3% |
| Admin fee / account holder | $8,928 | $931+859.3% | $16,006-44.2% | $1,145+679.6% |