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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 | $26,624 | $39,028-31.8% | $80,741-67.0% | $85,856-69.0% |
| Participation rate | 18.8% | 41.6%-22.8pp | 54.2%-35.4pp | 69.3%-50.6pp |
| Annual return | 20.81% | 26.31%-5.5pp | 87.30%-66.5pp | 318.58%-297.8pp |
| Employer contribution / active EE | $519 | $722-28.1% | $1,160-55.2% | $2,565-79.7% |
| Participant deferral / active EE | $1,321 | $1,326-0.4% | $2,145-38.4% | $3,952-66.6% |
| Admin fee / account holder | $1,307 | $2,429-46.2% | $3,380-61.3% | $6,261-79.1% |