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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 | $28,032 | $27,632+1.4% | $61,452-54.4% | $68,486-59.1% |
| Participation rate | 44.0% | 39.5%+4.5pp | 52.6%-8.6pp | 67.9%-23.9pp |
| Annual return | 62.61% | -13.24%+75.8pp | 338.96%-276.3pp | -7.85%+70.5pp |
| Employer contribution / active EE | $534 | $696-23.3% | $1,160-54.0% | $2,597-79.5% |
| Participant deferral / active EE | $2,778 | $1,264+119.8% | $2,125+30.8% | $4,028-31.0% |
| Admin fee / account holder | $516 | $2,010-74.3% | $2,131-75.8% | $5,404-90.4% |