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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 | $29,670-2.6% | $56,054-48.4% | $80,911-64.3% |
| Participation rate | 22.6% | 41.7%-19.0pp | 52.5%-29.9pp | 67.6%-45.0pp |
| Annual return | 12.56% | 35.24%-22.7pp | 1705.95%-1693.4pp | 35.63%-23.1pp |
| Employer contribution / active EE | $542 | $670-19.0% | $1,039-47.8% | $2,756-80.3% |
| Participant deferral / active EE | $1,396 | $1,227+13.8% | $1,952-28.5% | $4,297-67.5% |
| Admin fee / account holder | $1,330 | $2,431-45.3% | $2,822-52.9% | $6,935-80.8% |