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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 | $43,884 | $78,690-44.2% | $161,489-72.8% | $87,485-49.8% |
| Participation rate | 68.3% | 67.5%+0.8pp | 78.7%-10.4pp | 68.9%-0.7pp |
| Annual return | 39.02% | 32.74%+6.3pp | 89.72%-50.7pp | 26.06%+13.0pp |
| Employer contribution / active EE | $430 | $2,588-83.4% | $4,268-89.9% | $2,596-83.4% |
| Participant deferral / active EE | $1,731 | $3,311-47.7% | $5,630-69.3% | $4,274-59.5% |
| Admin fee / account holder | $18,475 | $6,724+174.8% | $16,006+15.4% | $7,775+137.6% |