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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 | $13,731 | $29,733-53.8% | $56,025-75.5% | $80,959-83.0% |
| Participation rate | 62.5% | 41.7%+20.8pp | 52.5%+10.0pp | 67.7%-5.2pp |
| Annual return | 10.99% | 35.28%-24.3pp | 1712.69%-1701.7pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,089 | $672+62.2% | $1,042+4.6% | $2,757-60.5% |
| Participant deferral / active EE | $2,189 | $1,229+78.1% | $1,955+12.0% | $4,300-49.1% |
| Admin fee / account holder | $317 | $2,434-87.0% | $2,828-88.8% | $6,925-95.4% |