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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 | $36,250 | $64,324-43.6% | $118,946-69.5% | $79,852-54.6% |
| Participation rate | 66.7% | 64.9%+1.8pp | 75.4%-8.7pp | 69.6%-3.0pp |
| Annual return | 11.95% | 86.45%-74.5pp | 35.89%-23.9pp | 31.72%-19.8pp |
| Employer contribution / active EE | $1,332 | $1,836-27.5% | $3,263-59.2% | $2,471-46.1% |
| Participant deferral / active EE | $2,852 | $2,824+1.0% | $4,266-33.1% | $3,740-23.7% |
| Admin fee / account holder | $2,030 | $4,040-49.7% | $6,581-69.1% | $5,306-61.7% |