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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 | $28,320 | $29,736-4.8% | $56,033-49.5% | $80,935-65.0% |
| Participation rate | 22.2% | 41.7%-19.5pp | 52.5%-30.3pp | 67.7%-45.4pp |
| Annual return | 16.35% | 35.28%-18.9pp | 1711.38%-1695.0pp | 35.66%-19.3pp |
| Employer contribution / active EE | $403 | $671-39.9% | $1,041-61.3% | $2,757-85.4% |
| Participant deferral / active EE | $1,786 | $1,228+45.4% | $1,954-8.6% | $4,299-58.5% |
| Admin fee / account holder | $1,395 | $2,434-42.7% | $2,827-50.6% | $6,924-79.8% |