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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 | $25,595 | $24,618+4.0% | $71,585-64.2% | $82,637-69.0% |
| Participation rate | 59.2% | 68.2%-9.0pp | 68.2%-9.0pp | 68.1%-8.9pp |
| Annual return | 34.90% | 93.17%-58.3pp | 59.26%-24.4pp | 53.51%-18.6pp |
| Employer contribution / active EE | $1,063 | $852+24.8% | $1,669-36.3% | $2,552-58.4% |
| Participant deferral / active EE | $1,428 | $1,720-17.0% | $2,923-51.2% | $4,126-65.4% |
| Admin fee / account holder | $1,516 | $3,285-53.8% | $4,712-67.8% | $7,339-79.3% |