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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 | $39,180 | $29,736+31.8% | $56,033-30.1% | $80,935-51.6% |
| Participation rate | 23.4% | 41.7%-18.3pp | 52.5%-29.1pp | 67.7%-44.3pp |
| Annual return | 11.76% | 35.28%-23.5pp | 1711.38%-1699.6pp | 35.66%-23.9pp |
| Employer contribution / active EE | $660 | $671-1.7% | $1,041-36.6% | $2,757-76.1% |
| Participant deferral / active EE | $1,633 | $1,228+33.0% | $1,954-16.4% | $4,299-62.0% |
| Admin fee / account holder | $4,163 | $2,434+71.1% | $2,827+47.3% | $6,924-39.9% |