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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 | $58,175 | $29,736+95.6% | $56,033+3.8% | $80,935-28.1% |
| Participation rate | 22.2% | 41.7%-19.5pp | 52.5%-30.3pp | 67.7%-45.4pp |
| Annual return | 14.30% | 35.28%-21.0pp | 1711.38%-1697.1pp | 35.66%-21.4pp |
| Employer contribution / active EE | $485 | $671-27.8% | $1,041-53.4% | $2,757-82.4% |
| Participant deferral / active EE | $1,904 | $1,228+55.0% | $1,954-2.5% | $4,299-55.7% |
| Admin fee / account holder | $486 | $2,434-80.0% | $2,827-82.8% | $6,924-93.0% |