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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 | $70,747 | $98,776-28.4% | $149,745-52.8% | $79,856-11.4% |
| Participation rate | 62.8% | 75.8%-13.0pp | 82.5%-19.7pp | 69.6%-6.9pp |
| Annual return | 14.64% | 27.38%-12.7pp | 276.72%-262.1pp | 31.71%-17.1pp |
| Employer contribution / active EE | $722 | $3,217-77.6% | $4,646-84.5% | $2,471-70.8% |
| Participant deferral / active EE | $2,540 | $5,681-55.3% | $6,843-62.9% | $3,741-32.1% |
| Admin fee / account holder | $9,005 | $6,053+48.8% | $9,312-3.3% | $5,306+69.7% |