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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 | $2,506 | $27,924-91.0% | $58,534-95.7% | $75,173-96.7% |
| Participation rate | 65.6% | 38.8%+26.8pp | 50.9%+14.8pp | 67.2%-1.6pp |
| Annual return | 19.85% | 44.20%-24.4pp | 4248.32%-4228.5pp | 160.65%-140.8pp |
| Employer contribution / active EE | $468 | $669-30.1% | $1,054-55.6% | $2,670-82.5% |
| Participant deferral / active EE | $534 | $1,202-55.6% | $1,924-72.3% | $4,126-87.1% |
| Admin fee / account holder | $1,013 | $1,726-41.3% | $2,519-59.8% | $5,651-82.1% |