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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 | $26,854 | $29,733-9.7% | $56,025-52.1% | $80,959-66.8% |
| Participation rate | 12.5% | 41.7%-29.2pp | 52.5%-40.0pp | 67.7%-55.2pp |
| Annual return | 37.28% | 35.28%+2.0pp | 1712.69%-1675.4pp | 35.67%+1.6pp |
| Employer contribution / active EE | $402 | $672-40.2% | $1,042-61.4% | $2,757-85.4% |
| Participant deferral / active EE | $1,402 | $1,229+14.1% | $1,955-28.2% | $4,300-67.4% |
| Admin fee / account holder | $5,024 | $2,434+106.4% | $2,828+77.6% | $6,925-27.5% |