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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 | $11,411 | $69,118-83.5% | $53,647-78.7% | $138,895-91.8% |
| Participation rate | 66.7% | 64.0%+2.7pp | 56.3%+10.4pp | 79.9%-13.3pp |
| Annual return | 23.45% | 248.26%-224.8pp | 358.33%-334.9pp | 145.39%-121.9pp |
| Employer contribution / active EE | $906 | $1,189-23.8% | $962-5.8% | $4,194-78.4% |
| Participant deferral / active EE | $1,225 | $2,274-46.1% | $1,813-32.4% | $6,396-80.9% |
| Admin fee / account holder | $1,974 | $2,724-27.5% | $2,460-19.7% | $12,562-84.3% |