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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 | $29,716+14.7% | $56,077-39.2% | $80,925-57.9% |
| Participation rate | 28.2% | 41.7%-13.5pp | 52.5%-24.3pp | 67.7%-39.5pp |
| Annual return | 15.88% | 35.30%-19.4pp | 1709.28%-1693.4pp | 35.65%-19.8pp |
| Employer contribution / active EE | $499 | $671-25.6% | $1,040-52.0% | $2,756-81.9% |
| Participant deferral / active EE | $1,720 | $1,228+40.0% | $1,954-12.0% | $4,299-60.0% |
| Admin fee / account holder | $918 | $2,432-62.2% | $2,825-67.5% | $6,940-86.8% |