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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 | $14,713 | $55,930-73.7% | $76,089-80.7% | $80,925-81.8% |
| Participation rate | 66.0% | 62.1%+3.9pp | 69.1%-3.1pp | 67.7%-1.7pp |
| Annual return | 13.43% | 20.58%-7.1pp | 360.94%-347.5pp | 35.65%-22.2pp |
| Employer contribution / active EE | $1,562 | $1,866-16.3% | $2,690-41.9% | $2,756-43.3% |
| Participant deferral / active EE | $2,968 | $3,051-2.7% | $4,259-30.3% | $4,299-31.0% |
| Admin fee / account holder | $1,085 | $5,241-79.3% | $6,418-83.1% | $6,940-84.4% |