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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 | $26,419 | $29,716-11.1% | $56,077-52.9% | $80,925-67.4% |
| Participation rate | 44.4% | 41.7%+2.7pp | 52.5%-8.1pp | 67.7%-23.2pp |
| Annual return | 12.89% | 35.30%-22.4pp | 1709.28%-1696.4pp | 35.65%-22.8pp |
| Employer contribution / active EE | $799 | $671+19.1% | $1,040-23.2% | $2,756-71.0% |
| Participant deferral / active EE | $1,054 | $1,228-14.2% | $1,954-46.1% | $4,299-75.5% |
| Admin fee / account holder | $1,843 | $2,432-24.2% | $2,825-34.8% | $6,940-73.4% |