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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 | $22,598 | $34,316-34.1% | $74,722-69.8% | $72,975-69.0% |
| Participation rate | 64.0% | 42.4%+21.6pp | 54.5%+9.5pp | 69.5%-5.5pp |
| Annual return | 22.35% | 26.58%-4.2pp | 753.11%-730.8pp | 81.01%-58.7pp |
| Employer contribution / active EE | $3,157 | $692+356.3% | $1,084+191.2% | $2,440+29.4% |
| Participant deferral / active EE | $455 | $1,272-64.2% | $1,963-76.8% | $3,608-87.4% |
| Admin fee / account holder | $1,298 | $2,125-38.9% | $3,335-61.1% | $5,124-74.7% |