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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 | $25,413 | $29,670-14.4% | $56,054-54.7% | $80,911-68.6% |
| Participation rate | 29.0% | 41.7%-12.6pp | 52.5%-23.5pp | 67.6%-38.6pp |
| Annual return | 13.84% | 35.24%-21.4pp | 1705.95%-1692.1pp | 35.63%-21.8pp |
| Employer contribution / active EE | $438 | $670-34.7% | $1,039-57.9% | $2,756-84.1% |
| Participant deferral / active EE | $1,333 | $1,227+8.7% | $1,952-31.7% | $4,297-69.0% |
| Admin fee / account holder | $911 | $2,431-62.5% | $2,822-67.7% | $6,935-86.9% |