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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 | $11,512 | $29,736-61.3% | $56,033-79.5% | $80,935-85.8% |
| Participation rate | 56.9% | 41.7%+15.2pp | 52.5%+4.4pp | 67.7%-10.7pp |
| Annual return | 18.03% | 35.28%-17.2pp | 1711.38%-1693.3pp | 35.66%-17.6pp |
| Employer contribution / active EE | $596 | $671-11.3% | $1,041-42.8% | $2,757-78.4% |
| Participant deferral / active EE | $1,496 | $1,228+21.8% | $1,954-23.4% | $4,299-65.2% |
| Admin fee / account holder | $493 | $2,434-79.7% | $2,827-82.6% | $6,924-92.9% |