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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 | $29,874 | $48,053-37.8% | $84,628-64.7% | $72,975-59.1% |
| Participation rate | 59.4% | 57.6%+1.8pp | 68.2%-8.9pp | 69.5%-10.1pp |
| Annual return | 23.50% | 37.39%-13.9pp | 258.80%-235.3pp | 81.01%-57.5pp |
| Employer contribution / active EE | $1,089 | $1,602-32.0% | $2,653-58.9% | $2,440-55.4% |
| Participant deferral / active EE | $2,301 | $2,681-14.1% | $3,900-41.0% | $3,608-36.2% |
| Admin fee / account holder | $1,587 | $3,395-53.3% | $4,914-67.7% | $5,124-69.0% |