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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 | $37,553 | $58,275-35.6% | $81,844-54.1% | $80,935-53.6% |
| Participation rate | 66.7% | 63.5%+3.2pp | 72.4%-5.7pp | 67.7%-1.0pp |
| Annual return | 11.94% | 41.82%-29.9pp | 778.87%-766.9pp | 35.66%-23.7pp |
| Employer contribution / active EE | $420 | $2,346-82.1% | $2,916-85.6% | $2,757-84.8% |
| Participant deferral / active EE | $1,678 | $3,285-48.9% | $4,323-61.2% | $4,299-61.0% |
| Admin fee / account holder | $5,887 | $4,749+24.0% | $7,355-20.0% | $6,924-15.0% |