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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 | $19,814 | $29,733-33.4% | $56,025-64.6% | $80,959-75.5% |
| Participation rate | 60.0% | 41.7%+18.3pp | 52.5%+7.5pp | 67.7%-7.7pp |
| Annual return | 16.76% | 35.28%-18.5pp | 1712.69%-1695.9pp | 35.67%-18.9pp |
| Employer contribution / active EE | $760 | $672+13.2% | $1,042-27.0% | $2,757-72.4% |
| Participant deferral / active EE | $2,452 | $1,229+99.4% | $1,955+25.5% | $4,300-43.0% |
| Admin fee / account holder | $834 | $2,434-65.7% | $2,828-70.5% | $6,925-88.0% |