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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 | $33,725 | $29,507+14.3% | $56,025-39.8% | $77,762-56.6% |
| Participation rate | 23.6% | 32.7%-9.1pp | 52.5%-28.9pp | 70.6%-46.9pp |
| Annual return | 12.23% | 18.90%-6.7pp | 1712.69%-1700.5pp | 31.27%-19.0pp |
| Employer contribution / active EE | $324 | $570-43.1% | $1,042-68.9% | $2,728-88.1% |
| Participant deferral / active EE | $1,037 | $1,062-2.3% | $1,955-47.0% | $4,651-77.7% |
| Admin fee / account holder | $3,132 | $1,041+201.0% | $2,828+10.7% | $433+623.6% |