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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 | $29,736-48.6% | $56,033-72.7% | $80,935-81.1% |
| Participation rate | 45.2% | 41.7%+3.5pp | 52.5%-7.3pp | 67.7%-22.4pp |
| Annual return | 11.35% | 35.28%-23.9pp | 1711.38%-1700.0pp | 35.66%-24.3pp |
| Employer contribution / active EE | $919 | $671+36.9% | $1,041-11.7% | $2,757-66.7% |
| Participant deferral / active EE | $1,653 | $1,228+34.5% | $1,954-15.4% | $4,299-61.6% |
| Admin fee / account holder | $2,306 | $2,434-5.2% | $2,827-18.4% | $6,924-66.7% |