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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 | $102,658 | $52,279+96.4% | $89,435+14.8% | $79,856+28.6% |
| Participation rate | 61.1% | 57.5%+3.6pp | 68.0%-6.9pp | 69.6%-8.5pp |
| Annual return | 12.73% | 22.16%-9.4pp | 245.55%-232.8pp | 31.71%-19.0pp |
| Employer contribution / active EE | $390 | $1,572-75.2% | $2,587-84.9% | $2,471-84.2% |
| Participant deferral / active EE | $2,710 | $2,740-1.1% | $3,890-30.3% | $3,741-27.6% |
| Admin fee / account holder | $7,488 | $3,356+123.1% | $4,884+53.3% | $5,306+41.1% |