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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 | $18,262 | $29,716-38.5% | $56,077-67.4% | $80,925-77.4% |
| Participation rate | 59.0% | 41.7%+17.3pp | 52.5%+6.5pp | 67.7%-8.7pp |
| Annual return | 13.98% | 35.30%-21.3pp | 1709.28%-1695.3pp | 35.65%-21.7pp |
| Employer contribution / active EE | $1,274 | $671+89.9% | $1,040+22.5% | $2,756-53.8% |
| Participant deferral / active EE | $2,955 | $1,228+140.5% | $1,954+51.2% | $4,299-31.3% |
| Admin fee / account holder | $8,131 | $2,432+234.3% | $2,825+187.8% | $6,940+17.2% |