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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 | $25,563 | $56,134-54.5% | $96,161-73.4% | $85,856-70.2% |
| Participation rate | 59.4% | 56.7%+2.7pp | 68.4%-9.1pp | 69.3%-9.9pp |
| Annual return | 12.65% | 42.30%-29.7pp | 192.01%-179.4pp | 318.58%-305.9pp |
| Employer contribution / active EE | $1,183 | $1,620-27.0% | $2,798-57.7% | $2,565-53.9% |
| Participant deferral / active EE | $3,066 | $2,858+7.3% | $4,349-29.5% | $3,952-22.4% |
| Admin fee / account holder | $1,802 | $3,769-52.2% | $5,538-67.5% | $6,261-71.2% |