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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 | $12,237 | $29,733-58.8% | $56,025-78.2% | $80,959-84.9% |
| Participation rate | 51.1% | 41.7%+9.3pp | 52.5%-1.4pp | 67.7%-16.6pp |
| Annual return | 13.65% | 35.28%-21.6pp | 1712.69%-1699.0pp | 35.67%-22.0pp |
| Employer contribution / active EE | $488 | $672-27.4% | $1,042-53.2% | $2,757-82.3% |
| Participant deferral / active EE | $1,538 | $1,229+25.1% | $1,955-21.3% | $4,300-64.2% |
| Admin fee / account holder | $577 | $2,434-76.3% | $2,828-79.6% | $6,925-91.7% |