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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 | $77,995 | $78,707-0.9% | $117,861-33.8% | $70,126+11.2% |
| Participation rate | 49.4% | 73.2%-23.8pp | 79.7%-30.3pp | 69.5%-20.2pp |
| Annual return | 18.00% | 23.30%-5.3pp | 335.11%-317.1pp | 73.15%-55.1pp |
| Employer contribution / active EE | $563 | $2,223-74.7% | $3,786-85.1% | $2,343-76.0% |
| Participant deferral / active EE | $2,856 | $3,297-13.4% | $4,482-36.3% | $3,332-14.3% |
| Admin fee / account holder | $8,421 | $5,066+66.2% | $8,021+5.0% | $4,645+81.3% |