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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 | $29,524 | $27,936+5.7% | $58,561-49.6% | $75,173-60.7% |
| Participation rate | 64.0% | 38.8%+25.2pp | 50.9%+13.1pp | 67.2%-3.2pp |
| Annual return | 16.55% | 44.21%-27.7pp | 4251.33%-4234.8pp | 160.72%-144.2pp |
| Employer contribution / active EE | $394 | $670-41.2% | $1,053-62.6% | $2,671-85.3% |
| Participant deferral / active EE | $1,988 | $1,202+65.4% | $1,923+3.4% | $4,126-51.8% |
| Admin fee / account holder | $943 | $1,727-45.4% | $2,520-62.6% | $5,651-83.3% |