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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 | $21,012 | $49,976-58.0% | $66,674-68.5% | $82,637-74.6% |
| Participation rate | 67.7% | 63.1%+4.6pp | 73.7%-6.0pp | 68.1%-0.4pp |
| Annual return | 20.82% | 39.09%-18.3pp | 321.24%-300.4pp | 53.51%-32.7pp |
| Employer contribution / active EE | $789 | $1,988-60.3% | $2,620-69.9% | $2,552-69.1% |
| Participant deferral / active EE | $3,446 | $2,847+21.1% | $4,084-15.6% | $4,126-16.5% |
| Admin fee / account holder | $1,149 | $4,594-75.0% | $5,098-77.5% | $7,339-84.3% |