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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 | $20,712 | $29,716-30.3% | $56,077-63.1% | $80,925-74.4% |
| Participation rate | 47.8% | 41.7%+6.1pp | 52.5%-4.7pp | 67.7%-19.9pp |
| Annual return | 14.96% | 35.30%-20.3pp | 1709.28%-1694.3pp | 35.65%-20.7pp |
| Employer contribution / active EE | $899 | $671+34.0% | $1,040-13.6% | $2,756-67.4% |
| Participant deferral / active EE | $2,085 | $1,228+69.7% | $1,954+6.7% | $4,299-51.5% |
| Admin fee / account holder | $620 | $2,432-74.5% | $2,825-78.1% | $6,940-91.1% |