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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 | $36,171 | $29,670+21.9% | $56,054-35.5% | $80,911-55.3% |
| Participation rate | 12.2% | 41.7%-29.5pp | 52.5%-40.3pp | 67.6%-55.5pp |
| Annual return | 13.43% | 35.24%-21.8pp | 1705.95%-1692.5pp | 35.63%-22.2pp |
| Employer contribution / active EE | $553 | $670-17.4% | $1,039-46.8% | $2,756-79.9% |
| Participant deferral / active EE | $707 | $1,227-42.4% | $1,952-63.8% | $4,297-83.5% |
| Admin fee / account holder | $1,184 | $2,431-51.3% | $2,822-58.1% | $6,935-82.9% |