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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 | $29,736-26.7% | $56,033-61.1% | $80,935-73.1% |
| Participation rate | 54.1% | 41.7%+12.4pp | 52.5%+1.6pp | 67.7%-13.6pp |
| Annual return | 14.65% | 35.28%-20.6pp | 1711.38%-1696.7pp | 35.66%-21.0pp |
| Employer contribution / active EE | $352 | $671-47.6% | $1,041-66.2% | $2,757-87.2% |
| Participant deferral / active EE | $2,540 | $1,228+106.7% | $1,954+30.0% | $4,299-40.9% |
| Admin fee / account holder | $1,311 | $2,434-46.1% | $2,827-53.6% | $6,924-81.1% |