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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 | $23,821 | $29,736-19.9% | $56,033-57.5% | $80,935-70.6% |
| Participation rate | 63.0% | 41.7%+21.3pp | 52.5%+10.5pp | 67.7%-4.6pp |
| Annual return | 17.87% | 35.28%-17.4pp | 1711.38%-1693.5pp | 35.66%-17.8pp |
| Employer contribution / active EE | $520 | $671-22.5% | $1,041-50.0% | $2,757-81.1% |
| Participant deferral / active EE | $1,265 | $1,228+3.0% | $1,954-35.3% | $4,299-70.6% |
| Admin fee / account holder | $1,133 | $2,434-53.5% | $2,827-59.9% | $6,924-83.6% |