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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 | $46,045 | $58,234-20.9% | $81,783-43.7% | $80,874-43.1% |
| Participation rate | 67.9% | 63.4%+4.4pp | 72.4%-4.5pp | 67.6%+0.2pp |
| Annual return | 11.08% | 41.70%-30.6pp | 775.05%-764.0pp | 35.62%-24.5pp |
| Employer contribution / active EE | $528 | $2,341-77.4% | $2,913-81.9% | $2,756-80.8% |
| Participant deferral / active EE | $1,352 | $3,283-58.8% | $4,320-68.7% | $4,297-68.5% |
| Admin fee / account holder | $6,659 | $4,982+33.7% | $7,380-9.8% | $6,935-4.0% |