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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 | $46,045 | $58,258-21.0% | $81,820-43.7% | $80,925-43.1% |
| Participation rate | 67.9% | 63.5%+4.4pp | 72.4%-4.5pp | 67.7%+0.2pp |
| Annual return | 11.08% | 41.76%-30.7pp | 777.93%-766.9pp | 35.65%-24.6pp |
| Employer contribution / active EE | $528 | $2,345-77.5% | $2,915-81.9% | $2,756-80.8% |
| Participant deferral / active EE | $1,352 | $3,284-58.8% | $4,323-68.7% | $4,299-68.6% |
| Admin fee / account holder | $6,659 | $4,976+33.8% | $7,391-9.9% | $6,940-4.1% |