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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 | $12,682 | $48,053-73.6% | $84,623-85.0% | $72,983-82.6% |
| Participation rate | 58.3% | 57.6%+0.8pp | 68.2%-9.9pp | 69.5%-11.2pp |
| Annual return | 31.46% | 37.39%-5.9pp | 258.77%-227.3pp | 81.01%-49.5pp |
| Employer contribution / active EE | $1,082 | $1,602-32.4% | $2,652-59.2% | $2,440-55.7% |
| Participant deferral / active EE | $3,407 | $2,681+27.1% | $3,899-12.6% | $3,608-5.5% |
| Admin fee / account holder | $461 | $3,395-86.4% | $4,913-90.6% | $5,124-91.0% |