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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 | $37,608 | $57,140-34.2% | $85,240-55.9% | $80,959-53.5% |
| Participation rate | 56.7% | 56.4%+0.3pp | 67.5%-10.9pp | 67.7%-11.0pp |
| Annual return | 39.88% | 21.71%+18.2pp | 66.75%-26.9pp | 35.67%+4.2pp |
| Employer contribution / active EE | $500 | $1,802-72.3% | $2,735-81.7% | $2,757-81.9% |
| Participant deferral / active EE | $4,163 | $3,115+33.6% | $4,527-8.1% | $4,300-3.2% |
| Admin fee / account holder | $44,522 | $4,992+791.9% | $6,165+622.2% | $6,925+542.9% |