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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 | $30,385+68.9% | $56,054-8.4% | $74,400-31.0% |
| Participation rate | 35.4% | 32.9%+2.5pp | 52.5%-17.0pp | 67.2%-31.8pp |
| Annual return | 14.09% | 24.92%-10.8pp | 1705.95%-1691.9pp | 1367.51%-1353.4pp |
| Employer contribution / active EE | $403 | $609-33.8% | $1,039-61.2% | $2,624-84.6% |
| Participant deferral / active EE | $1,167 | $1,174-0.5% | $1,952-40.2% | $4,348-73.2% |
| Admin fee / account holder | $5,178 | $2,361+119.3% | $2,822+83.5% | $1,944+166.4% |