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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 | $13,444 | $34,316-60.8% | $74,723-82.0% | $72,976-81.6% |
| Participation rate | 51.1% | 42.4%+8.7pp | 54.5%-3.4pp | 69.5%-18.4pp |
| Annual return | 25.70% | 26.58%-0.9pp | 753.18%-727.5pp | 81.02%-55.3pp |
| Employer contribution / active EE | $844 | $692+22.0% | $1,084-22.1% | $2,440-65.4% |
| Participant deferral / active EE | $1,078 | $1,272-15.2% | $1,962-45.0% | $3,608-70.1% |
| Admin fee / account holder | $407 | $2,125-80.9% | $3,335-87.8% | $5,124-92.1% |