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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 | $15,812 | $29,670-46.7% | $56,054-71.8% | $80,911-80.5% |
| Participation rate | 48.3% | 41.7%+6.6pp | 52.5%-4.2pp | 67.6%-19.4pp |
| Annual return | 15.26% | 35.24%-20.0pp | 1705.95%-1690.7pp | 35.63%-20.4pp |
| Employer contribution / active EE | $616 | $670-8.0% | $1,039-40.7% | $2,756-77.6% |
| Participant deferral / active EE | $2,199 | $1,227+79.3% | $1,952+12.7% | $4,297-48.8% |
| Admin fee / account holder | $1,531 | $2,431-37.0% | $2,822-45.7% | $6,935-77.9% |