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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 | $28,109 | $29,736-5.5% | $56,033-49.8% | $80,935-65.3% |
| Participation rate | 55.6% | 41.7%+13.9pp | 52.5%+3.1pp | 67.7%-12.1pp |
| Annual return | 11.75% | 35.28%-23.5pp | 1711.38%-1699.6pp | 35.66%-23.9pp |
| Employer contribution / active EE | $931 | $671+38.6% | $1,041-10.6% | $2,757-66.2% |
| Participant deferral / active EE | $1,545 | $1,228+25.8% | $1,954-20.9% | $4,299-64.1% |
| Admin fee / account holder | $310 | $2,434-87.3% | $2,827-89.0% | $6,924-95.5% |