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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 | $21,496 | $29,051-26.0% | $52,425-59.0% | $67,986-68.4% |
| Participation rate | 46.4% | 30.4%+15.9pp | 55.6%-9.2pp | 57.2%-10.8pp |
| Annual return | 17.59% | 24.00%-6.4pp | 302.12%-284.5pp | 31.67%-14.1pp |
| Employer contribution / active EE | $500 | $412+21.5% | $914-45.3% | $2,019-75.2% |
| Participant deferral / active EE | $1,183 | $873+35.5% | $1,790-33.9% | $3,358-64.8% |
| Admin fee / account holder | $855 | $2,113-59.5% | $2,495-65.7% | $3,203-73.3% |