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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 | $29,670-49.2% | $56,054-73.1% | $80,911-81.4% |
| Participation rate | 56.3% | 41.7%+14.6pp | 52.5%+3.8pp | 67.6%-11.4pp |
| Annual return | 15.13% | 35.24%-20.1pp | 1705.95%-1690.8pp | 35.63%-20.5pp |
| Employer contribution / active EE | $600 | $670-10.4% | $1,039-42.3% | $2,756-78.2% |
| Participant deferral / active EE | $944 | $1,227-23.0% | $1,952-51.6% | $4,297-78.0% |
| Admin fee / account holder | $1,211 | $2,431-50.2% | $2,822-57.1% | $6,935-82.5% |