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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 | $30,615 | $39,028-21.6% | $80,741-62.1% | $85,847-64.3% |
| Participation rate | 60.0% | 41.6%+18.4pp | 54.2%+5.8pp | 69.3%-9.3pp |
| Annual return | 31.79% | 26.31%+5.5pp | 87.30%-55.5pp | 318.61%-286.8pp |
| Employer contribution / active EE | $658 | $722-8.9% | $1,160-43.3% | $2,565-74.4% |
| Participant deferral / active EE | $2,019 | $1,326+52.2% | $2,145-5.9% | $3,952-48.9% |
| Admin fee / account holder | $1,156 | $2,429-52.4% | $3,380-65.8% | $6,261-81.5% |