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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 | $18,191 | $29,733-38.8% | $56,025-67.5% | $80,959-77.5% |
| Participation rate | 62.0% | 41.7%+20.2pp | 52.5%+9.4pp | 67.7%-5.7pp |
| Annual return | 22.13% | 35.28%-13.2pp | 1712.69%-1690.6pp | 35.67%-13.5pp |
| Employer contribution / active EE | $438 | $672-34.8% | $1,042-58.0% | $2,757-84.1% |
| Participant deferral / active EE | $1,486 | $1,229+20.9% | $1,955-24.0% | $4,300-65.4% |
| Admin fee / account holder | $749 | $2,434-69.2% | $2,828-73.5% | $6,925-89.2% |