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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 | $29,670+53.8% | $56,054-18.6% | $80,911-43.6% |
| Participation rate | 22.5% | 41.7%-19.2pp | 52.5%-30.0pp | 67.6%-45.1pp |
| Annual return | 13.58% | 35.24%-21.7pp | 1705.95%-1692.4pp | 35.63%-22.1pp |
| Employer contribution / active EE | $375 | $670-44.0% | $1,039-63.9% | $2,756-86.4% |
| Participant deferral / active EE | $1,404 | $1,227+14.4% | $1,952-28.1% | $4,297-67.3% |
| Admin fee / account holder | $3,183 | $2,431+30.9% | $2,822+12.8% | $6,935-54.1% |