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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 | $15,284 | $29,670-48.5% | $56,054-72.7% | $80,911-81.1% |
| Participation rate | 45.2% | 41.7%+3.6pp | 52.5%-7.2pp | 67.6%-22.4pp |
| Annual return | 11.35% | 35.24%-23.9pp | 1705.95%-1694.6pp | 35.63%-24.3pp |
| Employer contribution / active EE | $919 | $670+37.2% | $1,039-11.5% | $2,756-66.6% |
| Participant deferral / active EE | $1,653 | $1,227+34.7% | $1,952-15.3% | $4,297-61.5% |
| Admin fee / account holder | $2,306 | $2,431-5.1% | $2,822-18.3% | $6,935-66.7% |