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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 | $19,526 | $28,109-30.5% | $71,089-72.5% | $56,289-65.3% |
| Participation rate | 54.9% | 40.4%+14.5pp | 54.6%+0.3pp | 69.9%-15.0pp |
| Annual return | 47.13% | -615.05%+662.2pp | 650.65%-603.5pp | -9.96%+57.1pp |
| Employer contribution / active EE | $485 | $558-13.0% | $1,088-55.4% | $2,111-77.0% |
| Participant deferral / active EE | $637 | $1,116-42.9% | $1,873-66.0% | $3,350-81.0% |
| Admin fee / account holder | $2,689 | $585+359.9% | $3,082-12.8% | $521+416.2% |