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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 | $29,667+32.1% | $56,441-30.6% | $80,874-51.6% |
| Participation rate | 23.4% | 41.7%-18.3pp | 52.5%-29.1pp | 67.6%-44.2pp |
| Annual return | 11.76% | 35.22%-23.5pp | 1704.21%-1692.5pp | 35.62%-23.9pp |
| Employer contribution / active EE | $660 | $669-1.4% | $1,039-36.5% | $2,756-76.1% |
| Participant deferral / active EE | $1,633 | $1,227+33.2% | $1,953-16.4% | $4,297-62.0% |
| Admin fee / account holder | $4,163 | $2,429+71.4% | $2,829+47.2% | $6,935-40.0% |