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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 | $37,815 | $67,823-44.2% | $52,425-27.9% | $137,256-72.4% |
| Participation rate | 66.7% | 63.9%+2.8pp | 55.6%+11.0pp | 80.0%-13.3pp |
| Annual return | 15.84% | 219.11%-203.3pp | 302.12%-286.3pp | 220.34%-204.5pp |
| Employer contribution / active EE | $535 | $1,163-54.0% | $914-41.4% | $4,156-87.1% |
| Participant deferral / active EE | $2,435 | $2,288+6.4% | $1,790+36.0% | $6,407-62.0% |
| Admin fee / account holder | $2,456 | $2,844-13.7% | $2,495-1.6% | $12,270-80.0% |