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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 | $15,085 | $29,733-49.3% | $56,025-73.1% | $80,959-81.4% |
| Participation rate | 56.3% | 41.7%+14.5pp | 52.5%+3.7pp | 67.7%-11.4pp |
| Annual return | 15.13% | 35.28%-20.2pp | 1712.69%-1697.6pp | 35.67%-20.5pp |
| Employer contribution / active EE | $600 | $672-10.7% | $1,042-42.4% | $2,757-78.2% |
| Participant deferral / active EE | $944 | $1,229-23.2% | $1,955-51.7% | $4,300-78.0% |
| Admin fee / account holder | $1,211 | $2,434-50.2% | $2,828-57.2% | $6,925-82.5% |