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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 | $15,599 | $58,275-73.2% | $81,844-80.9% | $80,935-80.7% |
| Participation rate | 23.7% | 63.5%-39.8pp | 72.4%-48.7pp | 67.7%-44.0pp |
| Annual return | 51.56% | 41.82%+9.7pp | 778.87%-727.3pp | 35.66%+15.9pp |
| Employer contribution / active EE | $601 | $2,346-74.4% | $2,916-79.4% | $2,757-78.2% |
| Participant deferral / active EE | $1,059 | $3,285-67.8% | $4,323-75.5% | $4,299-75.4% |
| Admin fee / account holder | $5,820 | $4,749+22.6% | $7,355-20.9% | $6,924-16.0% |