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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 | $23,820 | $29,736-19.9% | $56,033-57.5% | $80,935-70.6% |
| Participation rate | 52.8% | 41.7%+11.1pp | 52.5%+0.3pp | 67.7%-14.9pp |
| Annual return | 23.85% | 35.28%-11.4pp | 1711.38%-1687.5pp | 35.66%-11.8pp |
| Employer contribution / active EE | $399 | $671-40.6% | $1,041-61.7% | $2,757-85.5% |
| Participant deferral / active EE | $1,661 | $1,228+35.2% | $1,954-15.0% | $4,299-61.4% |
| Admin fee / account holder | $2,642 | $2,434+8.6% | $2,827-6.5% | $6,924-61.8% |