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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 | $24,367 | $29,733-18.0% | $56,025-56.5% | $80,959-69.9% |
| Participation rate | 57.1% | 41.7%+15.4pp | 52.5%+4.6pp | 67.7%-10.5pp |
| Annual return | 13.82% | 35.28%-21.5pp | 1712.69%-1698.9pp | 35.67%-21.8pp |
| Employer contribution / active EE | $1,062 | $672+58.1% | $1,042+2.0% | $2,757-61.5% |
| Participant deferral / active EE | $2,869 | $1,229+133.4% | $1,955+46.8% | $4,300-33.3% |
| Admin fee / account holder | $2,170 | $2,434-10.8% | $2,828-23.3% | $6,925-68.7% |