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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 | $20,363 | $29,736-31.5% | $56,033-63.7% | $80,935-74.8% |
| Participation rate | 60.0% | 41.7%+18.3pp | 52.5%+7.5pp | 67.7%-7.7pp |
| Annual return | 15.71% | 35.28%-19.6pp | 1711.38%-1695.7pp | 35.66%-20.0pp |
| Employer contribution / active EE | $748 | $671+11.5% | $1,041-28.1% | $2,757-72.9% |
| Participant deferral / active EE | $2,459 | $1,228+100.2% | $1,954+25.9% | $4,299-42.8% |
| Admin fee / account holder | $810 | $2,434-66.7% | $2,827-71.4% | $6,924-88.3% |