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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 | $53,180 | $29,733+78.9% | $56,025-5.1% | $80,959-34.3% |
| Participation rate | 20.8% | 41.7%-21.0pp | 52.5%-31.8pp | 67.7%-46.9pp |
| Annual return | 14.88% | 35.28%-20.4pp | 1712.69%-1697.8pp | 35.67%-20.8pp |
| Employer contribution / active EE | $343 | $672-49.0% | $1,042-67.1% | $2,757-87.6% |
| Participant deferral / active EE | $1,152 | $1,229-6.3% | $1,955-41.0% | $4,300-73.2% |
| Admin fee / account holder | $4,485 | $2,434+84.3% | $2,828+58.6% | $6,925-35.2% |