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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 | $41,325 | $29,736+39.0% | $56,033-26.2% | $80,935-48.9% |
| Participation rate | 35.3% | 41.7%-6.4pp | 52.5%-17.2pp | 67.7%-32.4pp |
| Annual return | 16.42% | 35.28%-18.9pp | 1711.38%-1695.0pp | 35.66%-19.2pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,041-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,348 | $1,228+9.8% | $1,954-31.0% | $4,299-68.6% |
| Admin fee / account holder | $4,631 | $2,434+90.3% | $2,827+63.8% | $6,924-33.1% |