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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 | $54,141 | $39,028+38.7% | $80,741-32.9% | $85,847-36.9% |
| Participation rate | 22.5% | 41.6%-19.0pp | 54.2%-31.6pp | 69.3%-46.8pp |
| Annual return | 17.16% | 26.31%-9.2pp | 87.30%-70.1pp | 318.61%-301.4pp |
| Employer contribution / active EE | $412 | $722-42.9% | $1,160-64.5% | $2,565-83.9% |
| Participant deferral / active EE | $750 | $1,326-43.4% | $2,145-65.0% | $3,952-81.0% |
| Admin fee / account holder | $538 | $2,429-77.9% | $3,380-84.1% | $6,261-91.4% |