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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 | $24,746 | $27,943-11.4% | $58,507-57.7% | $75,177-67.1% |
| Participation rate | 44.2% | 38.8%+5.4pp | 50.9%-6.6pp | 67.2%-23.0pp |
| Annual return | 20.27% | 44.22%-23.9pp | 4252.32%-4232.0pp | 160.75%-140.5pp |
| Employer contribution / active EE | $535 | $670-20.1% | $1,053-49.2% | $2,671-80.0% |
| Participant deferral / active EE | $1,432 | $1,202+19.2% | $1,922-25.5% | $4,126-65.3% |
| Admin fee / account holder | $2,045 | $1,727+18.4% | $2,486-17.7% | $5,651-63.8% |