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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 | $24,949 | $29,716-16.0% | $56,077-55.5% | $80,925-69.2% |
| Participation rate | 38.0% | 41.7%-3.7pp | 52.5%-14.5pp | 67.7%-29.7pp |
| Annual return | 14.98% | 35.30%-20.3pp | 1709.28%-1694.3pp | 35.65%-20.7pp |
| Employer contribution / active EE | $1,086 | $671+61.8% | $1,040+4.4% | $2,756-60.6% |
| Participant deferral / active EE | $1,517 | $1,228+23.5% | $1,954-22.3% | $4,299-64.7% |
| Admin fee / account holder | $1,173 | $2,432-51.8% | $2,825-58.5% | $6,940-83.1% |