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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 | $22,744 | $29,733-23.5% | $56,025-59.4% | $80,959-71.9% |
| Participation rate | 32.3% | 41.7%-9.4pp | 52.5%-20.2pp | 67.7%-35.4pp |
| Annual return | 12.68% | 35.28%-22.6pp | 1712.69%-1700.0pp | 35.67%-23.0pp |
| Employer contribution / active EE | $600 | $672-10.7% | $1,042-42.4% | $2,757-78.2% |
| Participant deferral / active EE | $1,423 | $1,229+15.8% | $1,955-27.2% | $4,300-66.9% |
| Admin fee / account holder | $4,282 | $2,434+75.9% | $2,828+51.4% | $6,925-38.2% |