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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 | $17,131 | $57,119-70.0% | $85,187-79.9% | $80,935-78.8% |
| Participation rate | 60.3% | 56.4%+3.9pp | 67.5%-7.2pp | 67.7%-7.4pp |
| Annual return | 276.74% | 21.70%+255.0pp | 66.67%+210.1pp | 35.66%+241.1pp |
| Employer contribution / active EE | $1,512 | $1,802-16.1% | $2,732-44.7% | $2,757-45.1% |
| Participant deferral / active EE | $4,486 | $3,115+44.0% | $4,525-0.9% | $4,299+4.3% |
| Admin fee / account holder | $733 | $4,990-85.3% | $6,162-88.1% | $6,924-89.4% |