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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 | $31,105-30.9% | $53,647-59.9% | $64,097-66.5% |
| Participation rate | 46.4% | 30.7%+15.7pp | 56.3%-9.9pp | 55.2%-8.8pp |
| Annual return | 17.59% | 22.54%-4.9pp | 358.33%-340.7pp | 34.64%-17.0pp |
| Employer contribution / active EE | $500 | $441+13.6% | $962-48.0% | $1,891-73.5% |
| Participant deferral / active EE | $1,183 | $896+32.0% | $1,813-34.7% | $3,080-61.6% |
| Admin fee / account holder | $855 | $2,195-61.1% | $2,460-65.3% | $3,454-75.3% |