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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 | $28,505 | $26,936+5.8% | $53,647-46.9% | $71,012-59.9% |
| Participation rate | 14.9% | 21.9%-7.0pp | 56.3%-41.4pp | 58.6%-43.7pp |
| Annual return | 15.89% | 81.59%-65.7pp | 358.33%-342.4pp | 37.67%-21.8pp |
| Employer contribution / active EE | $271 | $335-19.0% | $962-71.8% | $2,348-88.4% |
| Participant deferral / active EE | $408 | $590-30.9% | $1,813-77.5% | $3,246-87.4% |
| Admin fee / account holder | $1,513 | $2,177-30.5% | $2,460-38.5% | $1,167+29.7% |