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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 | $58,421 | $29,733+96.5% | $56,025+4.3% | $80,959-27.8% |
| Participation rate | 22.1% | 41.7%-19.6pp | 52.5%-30.4pp | 67.7%-45.6pp |
| Annual return | 19.91% | 35.28%-15.4pp | 1712.69%-1692.8pp | 35.67%-15.8pp |
| Employer contribution / active EE | $511 | $672-24.0% | $1,042-51.0% | $2,757-81.5% |
| Participant deferral / active EE | $1,216 | $1,229-1.1% | $1,955-37.8% | $4,300-71.7% |
| Admin fee / account holder | $521 | $2,434-78.6% | $2,828-81.6% | $6,925-92.5% |