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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 | $21,804 | $29,670-26.5% | $56,054-61.1% | $80,911-73.1% |
| Participation rate | 54.1% | 41.7%+12.4pp | 52.5%+1.6pp | 67.6%-13.6pp |
| Annual return | 14.65% | 35.24%-20.6pp | 1705.95%-1691.3pp | 35.63%-21.0pp |
| Employer contribution / active EE | $352 | $670-47.5% | $1,039-66.1% | $2,756-87.2% |
| Participant deferral / active EE | $2,540 | $1,227+107.0% | $1,952+30.1% | $4,297-40.9% |
| Admin fee / account holder | $1,311 | $2,431-46.1% | $2,822-53.5% | $6,935-81.1% |