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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 | $12,942 | $27,924-53.7% | $58,544-77.9% | $75,181-82.8% |
| Participation rate | 40.0% | 38.8%+1.2pp | 50.9%-10.9pp | 67.2%-27.2pp |
| Annual return | 21.63% | 44.20%-22.6pp | 4249.56%-4227.9pp | 160.69%-139.1pp |
| Employer contribution / active EE | $493 | $669-26.4% | $1,053-53.2% | $2,671-81.6% |
| Participant deferral / active EE | $1,515 | $1,202+26.1% | $1,923-21.2% | $4,126-63.3% |
| Admin fee / account holder | $1,821 | $1,726+5.5% | $2,520-27.7% | $5,650-67.8% |