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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 | $20,314 | $39,028-47.9% | $80,741-74.8% | $85,847-76.3% |
| Participation rate | 59.5% | 41.6%+17.9pp | 54.2%+5.3pp | 69.3%-9.9pp |
| Annual return | 13.03% | 26.31%-13.3pp | 87.30%-74.3pp | 318.61%-305.6pp |
| Employer contribution / active EE | $740 | $722+2.4% | $1,160-36.2% | $2,565-71.2% |
| Participant deferral / active EE | $2,228 | $1,326+68.1% | $2,145+3.9% | $3,952-43.6% |
| Admin fee / account holder | $530 | $2,429-78.2% | $3,380-84.3% | $6,261-91.5% |