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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 | $19,183 | $65,395-70.7% | $182,558-89.5% | $72,976-73.7% |
| Participation rate | 66.0% | 65.4%+0.6pp | 78.0%-12.0pp | 69.5%-3.5pp |
| Annual return | 110.87% | 27.68%+83.2pp | 148.59%-37.7pp | 81.02%+29.9pp |
| Employer contribution / active EE | $1,739 | $1,911-9.0% | $4,076-57.3% | $2,440-28.7% |
| Participant deferral / active EE | $4,504 | $3,563+26.4% | $5,526-18.5% | $3,608+24.8% |
| Admin fee / account holder | $556 | $4,245-86.9% | $8,594-93.5% | $5,124-89.1% |