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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 | $71,197-42.6% | $93,669-56.4% | $80,925-49.5% |
| Participation rate | 66.2% | 60.4%+5.8pp | 68.7%-2.5pp | 67.7%-1.5pp |
| Annual return | 14.99% | 11.27%+3.7pp | 133.59%-118.6pp | 35.65%-20.7pp |
| Employer contribution / active EE | $637 | $1,565-59.3% | $2,424-73.7% | $2,756-76.9% |
| Participant deferral / active EE | $2,036 | $4,036-49.5% | $4,416-53.9% | $4,299-52.6% |
| Admin fee / account holder | $17,776 | $6,959+155.4% | $8,291+114.4% | $6,940+156.1% |