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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 | $25,379 | $29,733-14.6% | $56,025-54.7% | $80,959-68.7% |
| Participation rate | 44.8% | 41.7%+3.1pp | 52.5%-7.7pp | 67.7%-22.8pp |
| Annual return | 25.48% | 35.28%-9.8pp | 1712.69%-1687.2pp | 35.67%-10.2pp |
| Employer contribution / active EE | $1,286 | $672+91.4% | $1,042+23.4% | $2,757-53.4% |
| Participant deferral / active EE | $2,621 | $1,229+113.2% | $1,955+34.1% | $4,300-39.0% |
| Admin fee / account holder | $979 | $2,434-59.8% | $2,828-65.4% | $6,925-85.9% |