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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 | $51,320 | $30,421+68.7% | $56,077-8.5% | $74,429-31.0% |
| Participation rate | 35.4% | 32.9%+2.6pp | 52.5%-17.1pp | 67.2%-31.8pp |
| Annual return | 14.09% | 24.94%-10.8pp | 1709.28%-1695.2pp | 1368.38%-1354.3pp |
| Employer contribution / active EE | $403 | $610-33.9% | $1,040-61.3% | $2,625-84.7% |
| Participant deferral / active EE | $1,167 | $1,175-0.7% | $1,954-40.3% | $4,348-73.2% |
| Admin fee / account holder | $5,178 | $2,363+119.1% | $2,825+83.3% | $1,944+166.3% |