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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 | $37,441 | $29,736+25.9% | $56,033-33.2% | $80,935-53.7% |
| Participation rate | 22.4% | 41.7%-19.3pp | 52.5%-30.1pp | 67.7%-45.3pp |
| Annual return | 13.88% | 35.28%-21.4pp | 1711.38%-1697.5pp | 35.66%-21.8pp |
| Employer contribution / active EE | $585 | $671-12.9% | $1,041-43.8% | $2,757-78.8% |
| Participant deferral / active EE | $979 | $1,228-20.3% | $1,954-49.9% | $4,299-77.2% |
| Admin fee / account holder | $7,010 | $2,434+188.1% | $2,827+148.0% | $6,924+1.2% |