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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 | $40,839 | $71,230-42.7% | $93,727-56.4% | $80,959-49.6% |
| Participation rate | 66.2% | 60.4%+5.8pp | 68.7%-2.5pp | 67.7%-1.5pp |
| Annual return | 14.99% | 11.26%+3.7pp | 133.83%-118.8pp | 35.67%-20.7pp |
| Employer contribution / active EE | $637 | $1,565-59.3% | $2,421-73.7% | $2,757-76.9% |
| Participant deferral / active EE | $2,036 | $4,037-49.6% | $4,417-53.9% | $4,300-52.6% |
| Admin fee / account holder | $17,776 | $6,961+155.4% | $8,292+114.4% | $6,925+156.7% |