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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 | $34,078 | $29,733+14.6% | $56,025-39.2% | $80,959-57.9% |
| Participation rate | 28.2% | 41.7%-13.5pp | 52.5%-24.3pp | 67.7%-39.5pp |
| Annual return | 15.88% | 35.28%-19.4pp | 1712.69%-1696.8pp | 35.67%-19.8pp |
| Employer contribution / active EE | $499 | $672-25.7% | $1,042-52.1% | $2,757-81.9% |
| Participant deferral / active EE | $1,720 | $1,229+39.9% | $1,955-12.0% | $4,300-60.0% |
| Admin fee / account holder | $918 | $2,434-62.3% | $2,828-67.5% | $6,925-86.7% |