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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 | $21,857 | $85,206-74.3% | $172,745-87.3% | $72,986-70.1% |
| Participation rate | 32.3% | 70.1%-37.8pp | 82.6%-50.4pp | 69.5%-37.2pp |
| Annual return | 28.41% | 27.32%+1.1pp | 802.90%-774.5pp | 81.01%-52.6pp |
| Employer contribution / active EE | $933 | $3,325-71.9% | $5,144-81.9% | $2,440-61.7% |
| Participant deferral / active EE | $2,225 | $3,260-31.8% | $5,197-57.2% | $3,607-38.3% |
| Admin fee / account holder | $581 | $5,883-90.1% | $13,954-95.8% | $5,124-88.7% |