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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 | $19,008 | $34,316-44.6% | $74,723-74.6% | $72,976-74.0% |
| Participation rate | 58.3% | 42.4%+15.9pp | 54.5%+3.9pp | 69.5%-11.2pp |
| Annual return | 23.01% | 26.58%-3.6pp | 753.18%-730.2pp | 81.02%-58.0pp |
| Employer contribution / active EE | $1,060 | $692+53.2% | $1,084-2.2% | $2,440-56.6% |
| Participant deferral / active EE | $1,569 | $1,272+23.4% | $1,962-20.0% | $3,608-56.5% |
| Admin fee / account holder | $2,278 | $2,125+7.2% | $3,335-31.7% | $5,124-55.5% |