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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 | $20,694 | $39,028-47.0% | $80,741-74.4% | $85,847-75.9% |
| Participation rate | 19.4% | 41.6%-22.2pp | 54.2%-34.8pp | 69.3%-50.0pp |
| Annual return | 23.18% | 26.31%-3.1pp | 87.30%-64.1pp | 318.61%-295.4pp |
| Employer contribution / active EE | $334 | $722-53.7% | $1,160-71.2% | $2,565-87.0% |
| Participant deferral / active EE | $1,404 | $1,326+5.9% | $2,145-34.6% | $3,952-64.5% |
| Admin fee / account holder | $2,119 | $2,429-12.7% | $3,380-37.3% | $6,261-66.1% |