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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 | $36,733 | $29,736+23.5% | $56,033-34.4% | $80,935-54.6% |
| Participation rate | 28.1% | 41.7%-13.6pp | 52.5%-24.4pp | 67.7%-39.5pp |
| Annual return | 22.80% | 35.28%-12.5pp | 1711.38%-1688.6pp | 35.66%-12.9pp |
| Employer contribution / active EE | $783 | $671+16.6% | $1,041-24.8% | $2,757-71.6% |
| Participant deferral / active EE | $2,275 | $1,228+85.2% | $1,954+16.4% | $4,299-47.1% |
| Admin fee / account holder | $1,539 | $2,434-36.8% | $2,827-45.6% | $6,924-77.8% |