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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 | $29,569+14.1% | $56,077-39.9% | $77,714-56.6% |
| Participation rate | 23.6% | 32.6%-9.0pp | 52.5%-28.8pp | 70.6%-46.9pp |
| Annual return | 12.23% | 18.90%-6.7pp | 1709.28%-1697.0pp | 31.26%-19.0pp |
| Employer contribution / active EE | $324 | $569-43.0% | $1,040-68.8% | $2,727-88.1% |
| Participant deferral / active EE | $1,037 | $1,061-2.3% | $1,954-46.9% | $4,649-77.7% |
| Admin fee / account holder | $3,132 | $1,042+200.5% | $2,825+10.9% | $433+622.9% |