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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 | $45,639 | $29,733+53.5% | $56,025-18.5% | $80,959-43.6% |
| Participation rate | 22.5% | 41.7%-19.2pp | 52.5%-30.0pp | 67.7%-45.2pp |
| Annual return | 13.58% | 35.28%-21.7pp | 1712.69%-1699.1pp | 35.67%-22.1pp |
| Employer contribution / active EE | $375 | $672-44.2% | $1,042-64.0% | $2,757-86.4% |
| Participant deferral / active EE | $1,404 | $1,229+14.2% | $1,955-28.2% | $4,300-67.4% |
| Admin fee / account holder | $3,183 | $2,434+30.8% | $2,828+12.5% | $6,925-54.0% |