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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 | $73,932 | $89,367-17.3% | $141,191-47.6% | $72,975+1.3% |
| Participation rate | 47.8% | 75.1%-27.3pp | 82.5%-34.6pp | 69.5%-21.7pp |
| Annual return | 22.46% | 111.87%-89.4pp | 71.41%-48.9pp | 81.01%-58.5pp |
| Employer contribution / active EE | $766 | $3,115-75.4% | $4,736-83.8% | $2,440-68.6% |
| Participant deferral / active EE | $3,548 | $5,419-34.5% | $6,710-47.1% | $3,608-1.7% |
| Admin fee / account holder | $709 | $5,957-88.1% | $10,264-93.1% | $5,124-86.2% |