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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 | $16,406 | $35,183-53.4% | $73,550-77.7% | $70,126-76.6% |
| Participation rate | 58.2% | 42.9%+15.2pp | 54.9%+3.2pp | 69.5%-11.4pp |
| Annual return | 45.41% | 26.90%+18.5pp | -15.16%+60.6pp | 73.15%-27.7pp |
| Employer contribution / active EE | $430 | $709-39.4% | $1,219-64.8% | $2,343-81.7% |
| Participant deferral / active EE | $1,613 | $1,220+32.2% | $1,804-10.6% | $3,332-51.6% |
| Admin fee / account holder | $855 | $2,302-62.9% | $2,320-63.1% | $4,645-81.6% |