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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 | $18,683 | $28,624-34.7% | $53,647-65.2% | $82,637-77.4% |
| Participation rate | 57.9% | 47.3%+10.6pp | 56.3%+1.6pp | 68.1%-10.2pp |
| Annual return | 20.01% | 664.98%-645.0pp | 358.33%-338.3pp | 53.51%-33.5pp |
| Employer contribution / active EE | $803 | $637+26.1% | $962-16.6% | $2,552-68.5% |
| Participant deferral / active EE | $2,049 | $1,196+71.3% | $1,813+13.0% | $4,126-50.3% |
| Admin fee / account holder | $650 | $2,022-67.9% | $2,460-73.6% | $7,339-91.1% |