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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 | $37,690 | $29,736+26.7% | $56,033-32.7% | $80,935-53.4% |
| Participation rate | 23.2% | 41.7%-18.5pp | 52.5%-29.3pp | 67.7%-44.5pp |
| Annual return | 10.66% | 35.28%-24.6pp | 1711.38%-1700.7pp | 35.66%-25.0pp |
| Employer contribution / active EE | $704 | $671+4.8% | $1,041-32.4% | $2,757-74.5% |
| Participant deferral / active EE | $1,524 | $1,228+24.1% | $1,954-22.0% | $4,299-64.6% |
| Admin fee / account holder | $1,423 | $2,434-41.5% | $2,827-49.7% | $6,924-79.5% |