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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 | $23,759 | $117,846-79.8% | $102,434-76.8% | $145,884-83.7% |
| Participation rate | 60.0% | 78.6%-18.6pp | 76.5%-16.5pp | 80.3%-20.3pp |
| Annual return | 15.24% | 31.90%-16.7pp | 29.46%-14.2pp | 551.85%-536.6pp |
| Employer contribution / active EE | $1,479 | $3,615-59.1% | $3,023-51.1% | $4,662-68.3% |
| Participant deferral / active EE | $1,979 | $5,733-65.5% | $5,055-60.9% | $6,690-70.4% |
| Admin fee / account holder | $10,733 | $13,356-19.6% | $9,462+13.4% | $13,392-19.9% |