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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 | $14,714 | $29,716-50.5% | $56,077-73.8% | $80,925-81.8% |
| Participation rate | 68.6% | 41.7%+26.9pp | 52.5%+16.1pp | 67.7%+1.0pp |
| Annual return | 17.56% | 35.30%-17.7pp | 1709.28%-1691.7pp | 35.65%-18.1pp |
| Employer contribution / active EE | $823 | $671+22.7% | $1,040-20.9% | $2,756-70.1% |
| Participant deferral / active EE | $2,691 | $1,228+119.1% | $1,954+37.7% | $4,299-37.4% |
| Admin fee / account holder | $1,013 | $2,432-58.3% | $2,825-64.1% | $6,940-85.4% |