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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 | $15,061 | $39,028-61.4% | $80,741-81.3% | $85,847-82.5% |
| Participation rate | 36.4% | 41.6%-5.2pp | 54.2%-17.8pp | 69.3%-33.0pp |
| Annual return | 35.80% | 26.31%+9.5pp | 87.30%-51.5pp | 318.61%-282.8pp |
| Employer contribution / active EE | $640 | $722-11.3% | $1,160-44.8% | $2,565-75.0% |
| Participant deferral / active EE | $1,897 | $1,326+43.1% | $2,145-11.6% | $3,952-52.0% |
| Admin fee / account holder | $1,494 | $2,429-38.5% | $3,380-55.8% | $6,261-76.1% |