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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 | $40,716 | $79,449-48.8% | $189,575-78.5% | $85,847-52.6% |
| Participation rate | 60.7% | 66.0%-5.3pp | 78.4%-17.8pp | 69.3%-8.6pp |
| Annual return | 25.86% | 18.45%+7.4pp | 64.19%-38.3pp | 318.61%-292.7pp |
| Employer contribution / active EE | $1,259 | $2,081-39.5% | $4,412-71.5% | $2,565-50.9% |
| Participant deferral / active EE | $2,623 | $4,051-35.2% | $6,174-57.5% | $3,952-33.6% |
| Admin fee / account holder | $2,336 | $5,377-56.6% | $9,806-76.2% | $6,261-62.7% |