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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 | $71,705 | $58,234+23.1% | $81,783-12.3% | $80,874-11.3% |
| Participation rate | 36.0% | 63.4%-27.4pp | 72.4%-36.4pp | 67.6%-31.6pp |
| Annual return | 11.21% | 41.70%-30.5pp | 775.05%-763.8pp | 35.62%-24.4pp |
| Employer contribution / active EE | $336 | $2,341-85.6% | $2,913-88.5% | $2,756-87.8% |
| Participant deferral / active EE | $1,853 | $3,283-43.6% | $4,320-57.1% | $4,297-56.9% |
| Admin fee / account holder | $7,068 | $4,982+41.9% | $7,380-4.2% | $6,935+1.9% |