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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 | $11,053 | $34,316-67.8% | $74,723-85.2% | $72,976-84.9% |
| Participation rate | 60.0% | 42.4%+17.6pp | 54.5%+5.5pp | 69.5%-9.5pp |
| Annual return | 46.08% | 26.58%+19.5pp | 753.18%-707.1pp | 81.02%-34.9pp |
| Employer contribution / active EE | $800 | $692+15.6% | $1,084-26.2% | $2,440-67.2% |
| Participant deferral / active EE | $2,910 | $1,272+128.8% | $1,962+48.4% | $3,608-19.3% |
| Admin fee / account holder | $674 | $2,125-68.3% | $3,335-79.8% | $5,124-86.8% |