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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 | $59,302 | $85,171-30.4% | $172,752-65.7% | $72,975-18.7% |
| Participation rate | 69.7% | 70.1%-0.4pp | 82.6%-12.9pp | 69.5%+0.2pp |
| Annual return | 18.17% | 27.32%-9.2pp | 802.97%-784.8pp | 81.01%-62.8pp |
| Employer contribution / active EE | $1,005 | $3,324-69.8% | $5,144-80.5% | $2,440-58.8% |
| Participant deferral / active EE | $1,219 | $3,260-62.6% | $5,198-76.5% | $3,608-66.2% |
| Admin fee / account holder | $10,700 | $5,880+82.0% | $13,955-23.3% | $5,124+108.8% |