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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 | $29,670-23.3% | $56,054-59.4% | $80,911-71.9% |
| Participation rate | 32.3% | 41.7%-9.4pp | 52.5%-20.2pp | 67.6%-35.3pp |
| Annual return | 12.68% | 35.24%-22.6pp | 1705.95%-1693.3pp | 35.63%-23.0pp |
| Employer contribution / active EE | $600 | $670-10.4% | $1,039-42.2% | $2,756-78.2% |
| Participant deferral / active EE | $1,423 | $1,227+16.0% | $1,952-27.1% | $4,297-66.9% |
| Admin fee / account holder | $4,282 | $2,431+76.1% | $2,822+51.7% | $6,935-38.3% |