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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 | $26,950 | $65,555-58.9% | $86,216-68.7% | $75,173-64.1% |
| Participation rate | 64.8% | 60.5%+4.3pp | 69.0%-4.1pp | 67.2%-2.4pp |
| Annual return | 16.24% | 46.07%-29.8pp | 1169.42%-1153.2pp | 160.72%-144.5pp |
| Employer contribution / active EE | $504 | $1,553-67.6% | $2,382-78.8% | $2,671-81.1% |
| Participant deferral / active EE | $4,556 | $3,023+50.7% | $3,986+14.3% | $4,126+10.4% |
| Admin fee / account holder | $1,915 | $5,469-65.0% | $6,853-72.1% | $5,651-66.1% |