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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 | $17,935 | $29,736-39.7% | $56,033-68.0% | $80,935-77.8% |
| Participation rate | 44.0% | 41.7%+2.3pp | 52.5%-8.5pp | 67.7%-23.7pp |
| Annual return | 19.46% | 35.28%-15.8pp | 1711.38%-1691.9pp | 35.66%-16.2pp |
| Employer contribution / active EE | $916 | $671+36.4% | $1,041-12.0% | $2,757-66.8% |
| Participant deferral / active EE | $3,268 | $1,228+166.1% | $1,954+67.3% | $4,299-24.0% |
| Admin fee / account holder | $1,019 | $2,434-58.1% | $2,827-64.0% | $6,924-85.3% |