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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 | $22,931 | $54,717-58.1% | $86,216-73.4% | $71,511-67.9% |
| Participation rate | 27.5% | 60.1%-32.6pp | 69.0%-41.4pp | 67.9%-40.4pp |
| Annual return | 35.86% | 20.07%+15.8pp | 1169.42%-1133.6pp | 28.86%+7.0pp |
| Employer contribution / active EE | $712 | $1,267-43.8% | $2,382-70.1% | $2,589-72.5% |
| Participant deferral / active EE | $1,679 | $3,110-46.0% | $3,986-57.9% | $4,291-60.9% |
| Admin fee / account holder | $4,848 | $1,922+152.2% | $6,853-29.3% | $1,588+205.2% |