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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 | $28,907 | $29,736-2.8% | $56,033-48.4% | $80,935-64.3% |
| Participation rate | 22.6% | 41.7%-19.1pp | 52.5%-29.9pp | 67.7%-45.0pp |
| Annual return | 12.56% | 35.28%-22.7pp | 1711.38%-1698.8pp | 35.66%-23.1pp |
| Employer contribution / active EE | $542 | $671-19.2% | $1,041-47.9% | $2,757-80.3% |
| Participant deferral / active EE | $1,396 | $1,228+13.7% | $1,954-28.5% | $4,299-67.5% |
| Admin fee / account holder | $1,330 | $2,434-45.4% | $2,827-53.0% | $6,924-80.8% |