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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 | $12,034 | $29,716-59.5% | $56,077-78.5% | $80,925-85.1% |
| Participation rate | 68.0% | 41.7%+26.3pp | 52.5%+15.5pp | 67.7%+0.3pp |
| Annual return | 14.36% | 35.30%-20.9pp | 1709.28%-1694.9pp | 35.65%-21.3pp |
| Employer contribution / active EE | $669 | $671-0.3% | $1,040-35.7% | $2,756-75.7% |
| Participant deferral / active EE | $2,366 | $1,228+92.6% | $1,954+21.1% | $4,299-45.0% |
| Admin fee / account holder | $1,069 | $2,432-56.0% | $2,825-62.1% | $6,940-84.6% |