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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 | $51,882 | $30,732+68.8% | $59,496-12.8% | $59,633-13.0% |
| Participation rate | 43.9% | 43.2%+0.7pp | 54.6%-10.7pp | 68.7%-24.8pp |
| Annual return | 0.28% | 4.47%-4.2pp | 182.05%-181.8pp | 2041.40%-2041.1pp |
| Employer contribution / active EE | $304 | $631-51.8% | $1,153-73.6% | $2,203-86.2% |
| Participant deferral / active EE | $1,722 | $1,183+45.5% | $1,829-5.9% | $3,192-46.1% |
| Admin fee / account holder | $1,177 | $2,136-44.9% | $2,232-47.3% | $4,297-72.6% |