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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 | $71,057-42.5% | $93,654-56.4% | $80,874-49.5% |
| Participation rate | 66.2% | 60.4%+5.8pp | 68.7%-2.5pp | 67.6%-1.4pp |
| Annual return | 14.99% | 11.26%+3.7pp | 133.34%-118.4pp | 35.62%-20.6pp |
| Employer contribution / active EE | $637 | $1,564-59.3% | $2,421-73.7% | $2,756-76.9% |
| Participant deferral / active EE | $2,036 | $4,034-49.5% | $4,413-53.9% | $4,297-52.6% |
| Admin fee / account holder | $17,776 | $6,944+156.0% | $8,282+114.6% | $6,935+156.3% |