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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 | $18,362 | $29,736-38.3% | $56,033-67.2% | $80,935-77.3% |
| Participation rate | 64.1% | 41.7%+22.4pp | 52.5%+11.6pp | 67.7%-3.6pp |
| Annual return | 15.36% | 35.28%-19.9pp | 1711.38%-1696.0pp | 35.66%-20.3pp |
| Employer contribution / active EE | $746 | $671+11.1% | $1,041-28.3% | $2,757-72.9% |
| Participant deferral / active EE | $891 | $1,228-27.4% | $1,954-54.4% | $4,299-79.3% |
| Admin fee / account holder | $9,715 | $2,434+299.2% | $2,827+243.6% | $6,924+40.3% |