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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 | $32,549 | $29,670+9.7% | $56,054-41.9% | $80,911-59.8% |
| Participation rate | 30.3% | 41.7%-11.4pp | 52.5%-22.2pp | 67.6%-37.3pp |
| Annual return | 11.62% | 35.24%-23.6pp | 1705.95%-1694.3pp | 35.63%-24.0pp |
| Employer contribution / active EE | $555 | $670-17.1% | $1,039-46.5% | $2,756-79.8% |
| Participant deferral / active EE | $714 | $1,227-41.8% | $1,952-63.4% | $4,297-83.4% |
| Admin fee / account holder | $2,899 | $2,431+19.2% | $2,822+2.7% | $6,935-58.2% |