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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 | $20,375 | $29,736-31.5% | $56,033-63.6% | $80,935-74.8% |
| Participation rate | 43.6% | 41.7%+1.9pp | 52.5%-8.9pp | 67.7%-24.0pp |
| Annual return | 11.10% | 35.28%-24.2pp | 1711.38%-1700.3pp | 35.66%-24.6pp |
| Employer contribution / active EE | $1,143 | $671+70.2% | $1,041+9.8% | $2,757-58.5% |
| Participant deferral / active EE | $1,992 | $1,228+62.2% | $1,954+2.0% | $4,299-53.7% |
| Admin fee / account holder | $2,263 | $2,434-7.0% | $2,827-20.0% | $6,924-67.3% |