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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 | $28,477 | $27,936+1.9% | $58,561-51.4% | $75,173-62.1% |
| Participation rate | 39.5% | 38.8%+0.7pp | 50.9%-11.3pp | 67.2%-27.7pp |
| Annual return | 17.41% | 44.21%-26.8pp | 4251.33%-4233.9pp | 160.72%-143.3pp |
| Employer contribution / active EE | $497 | $670-25.8% | $1,053-52.9% | $2,671-81.4% |
| Participant deferral / active EE | $1,476 | $1,202+22.8% | $1,923-23.3% | $4,126-64.2% |
| Admin fee / account holder | $1,268 | $1,727-26.6% | $2,520-49.7% | $5,651-77.6% |