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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 | $17,607 | $35,183-50.0% | $73,545-76.1% | $70,131-74.9% |
| Participation rate | 59.5% | 42.9%+16.6pp | 54.9%+4.6pp | 69.5%-10.0pp |
| Annual return | 49.92% | 26.90%+23.0pp | -15.16%+65.1pp | 73.14%-23.2pp |
| Employer contribution / active EE | $727 | $709+2.6% | $1,219-40.4% | $2,342-69.0% |
| Participant deferral / active EE | $1,432 | $1,220+17.4% | $1,806-20.7% | $3,332-57.0% |
| Admin fee / account holder | $1,407 | $2,302-38.9% | $2,320-39.4% | $4,645-69.7% |