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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 | $35,357 | $55,889-36.7% | $76,119-53.5% | $80,935-56.3% |
| Participation rate | 62.5% | 62.1%+0.4pp | 69.1%-6.6pp | 67.7%-5.2pp |
| Annual return | 12.21% | 20.58%-8.4pp | 361.25%-349.0pp | 35.66%-23.4pp |
| Employer contribution / active EE | $1,321 | $1,866-29.2% | $2,693-50.9% | $2,757-52.1% |
| Participant deferral / active EE | $2,367 | $3,051-22.4% | $4,259-44.4% | $4,299-44.9% |
| Admin fee / account holder | $5,741 | $5,241+9.5% | $6,421-10.6% | $6,924-17.1% |