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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 | $30,423 | $29,716+2.4% | $56,077-45.7% | $80,925-62.4% |
| Participation rate | 17.9% | 41.7%-23.8pp | 52.5%-34.6pp | 67.7%-49.8pp |
| Annual return | 13.31% | 35.30%-22.0pp | 1709.28%-1696.0pp | 35.65%-22.3pp |
| Employer contribution / active EE | $696 | $671+3.7% | $1,040-33.1% | $2,756-74.8% |
| Participant deferral / active EE | $722 | $1,228-41.2% | $1,954-63.0% | $4,299-83.2% |
| Admin fee / account holder | $630 | $2,432-74.1% | $2,825-77.7% | $6,940-90.9% |