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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 | $32,741 | $49,896-34.4% | $80,627-59.4% | $75,173-56.4% |
| Participation rate | 64.5% | 55.3%+9.2pp | 67.0%-2.5pp | 67.2%-2.7pp |
| Annual return | 16.62% | 34.67%-18.1pp | 936.76%-920.1pp | 160.72%-144.1pp |
| Employer contribution / active EE | $1,354 | $1,699-20.3% | $2,723-50.3% | $2,671-49.3% |
| Participant deferral / active EE | $3,190 | $2,992+6.6% | $4,443-28.2% | $4,126-22.7% |
| Admin fee / account holder | $510 | $3,578-85.8% | $5,381-90.5% | $5,651-91.0% |