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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 | $18,210 | $48,053-62.1% | $84,637-78.5% | $72,976-75.0% |
| Participation rate | 57.7% | 57.6%+0.1pp | 68.2%-10.5pp | 69.5%-11.8pp |
| Annual return | 28.12% | 37.39%-9.3pp | 258.82%-230.7pp | 81.02%-52.9pp |
| Employer contribution / active EE | $1,186 | $1,602-25.9% | $2,653-55.3% | $2,440-51.4% |
| Participant deferral / active EE | $2,634 | $2,681-1.8% | $3,900-32.5% | $3,608-27.0% |
| Admin fee / account holder | $544 | $3,395-84.0% | $4,914-88.9% | $5,124-89.4% |