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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 | $33,072 | $60,128-45.0% | $90,440-63.4% | $79,852-58.6% |
| Participation rate | 23.4% | 65.0%-41.6pp | 72.7%-49.3pp | 69.6%-46.2pp |
| Annual return | 12.85% | 71.95%-59.1pp | 1294.38%-1281.5pp | 31.72%-18.9pp |
| Employer contribution / active EE | $675 | $2,068-67.4% | $3,263-79.3% | $2,471-72.7% |
| Participant deferral / active EE | $903 | $2,939-69.3% | $3,964-77.2% | $3,740-75.8% |
| Admin fee / account holder | $5,217 | $3,977+31.2% | $5,615-7.1% | $5,306-1.7% |