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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 | $21,520 | $29,319-26.6% | $52,425-58.9% | $82,448-73.9% |
| Participation rate | 63.5% | 46.9%+16.6pp | 55.6%+7.9pp | 68.1%-4.6pp |
| Annual return | 19.68% | 535.20%-515.5pp | 302.12%-282.4pp | 41.64%-22.0pp |
| Employer contribution / active EE | $1,078 | $586+83.7% | $914+17.9% | $2,551-57.8% |
| Participant deferral / active EE | $2,589 | $1,171+121.1% | $1,790+44.6% | $4,139-37.4% |
| Admin fee / account holder | $1,151 | $1,962-41.3% | $2,495-53.9% | $7,234-84.1% |