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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 | $37,054 | $29,733+24.6% | $56,025-33.9% | $80,959-54.2% |
| Participation rate | 22.2% | 41.7%-19.5pp | 52.5%-30.3pp | 67.7%-45.4pp |
| Annual return | 12.27% | 35.28%-23.0pp | 1712.69%-1700.4pp | 35.67%-23.4pp |
| Employer contribution / active EE | $477 | $672-29.0% | $1,042-54.2% | $2,757-82.7% |
| Participant deferral / active EE | $1,116 | $1,229-9.2% | $1,955-42.9% | $4,300-74.0% |
| Admin fee / account holder | $4,240 | $2,434+74.2% | $2,828+49.9% | $6,925-38.8% |