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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 | $29,716+79.0% | $56,077-5.2% | $80,925-34.3% |
| Participation rate | 20.8% | 41.7%-20.9pp | 52.5%-31.7pp | 67.7%-46.9pp |
| Annual return | 14.88% | 35.30%-20.4pp | 1709.28%-1694.4pp | 35.65%-20.8pp |
| Employer contribution / active EE | $343 | $671-48.9% | $1,040-67.0% | $2,756-87.6% |
| Participant deferral / active EE | $1,152 | $1,228-6.2% | $1,954-41.0% | $4,299-73.2% |
| Admin fee / account holder | $4,485 | $2,432+84.4% | $2,825+58.8% | $6,940-35.4% |