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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 | $18,324 | $59,813-69.4% | $79,580-77.0% | $68,486-73.2% |
| Participation rate | 64.3% | 61.1%+3.2pp | 69.5%-5.2pp | 67.9%-3.6pp |
| Annual return | 286.05% | -12.30%+298.3pp | 0.15%+285.9pp | -7.85%+293.9pp |
| Employer contribution / active EE | $363 | $1,505-75.9% | $2,413-84.9% | $2,597-86.0% |
| Participant deferral / active EE | $4,102 | $3,024+35.6% | $3,985+2.9% | $4,028+1.8% |
| Admin fee / account holder | $6,189 | $4,835+28.0% | $6,835-9.5% | $5,404+14.5% |