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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 | $16,890 | $34,316-50.8% | $74,723-77.4% | $72,976-76.9% |
| Participation rate | 61.9% | 42.4%+19.5pp | 54.5%+7.4pp | 69.5%-7.6pp |
| Annual return | 23.64% | 26.58%-2.9pp | 753.18%-729.5pp | 81.02%-57.4pp |
| Employer contribution / active EE | $1,064 | $692+53.9% | $1,084-1.8% | $2,440-56.4% |
| Participant deferral / active EE | $2,049 | $1,272+61.1% | $1,962+4.5% | $3,608-43.2% |
| Admin fee / account holder | $1,196 | $2,125-43.7% | $3,335-64.1% | $5,124-76.7% |