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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 | $56,571 | $30,732+84.1% | $59,496-4.9% | $59,633-5.1% |
| Participation rate | 44.4% | 43.2%+1.2pp | 54.6%-10.1pp | 68.7%-24.2pp |
| Annual return | 3.72% | 4.47%-0.7pp | 182.05%-178.3pp | 2041.45%-2037.7pp |
| Employer contribution / active EE | $191 | $631-69.7% | $1,153-83.4% | $2,203-91.3% |
| Participant deferral / active EE | $1,117 | $1,183-5.5% | $1,829-38.9% | $3,192-65.0% |
| Admin fee / account holder | $1,804 | $2,136-15.6% | $2,232-19.2% | $4,297-58.0% |