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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 | $20,601 | $29,319-29.7% | $52,425-60.7% | $82,448-75.0% |
| Participation rate | 61.5% | 46.9%+14.7pp | 55.6%+5.9pp | 68.1%-6.5pp |
| Annual return | 22.44% | 535.20%-512.8pp | 302.12%-279.7pp | 41.64%-19.2pp |
| Employer contribution / active EE | $1,333 | $586+127.3% | $914+45.8% | $2,551-47.7% |
| Participant deferral / active EE | $2,270 | $1,171+93.8% | $1,790+26.8% | $4,139-45.2% |
| Admin fee / account holder | $1,330 | $1,962-32.2% | $2,495-46.7% | $7,234-81.6% |