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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 | $30,138 | $56,134-46.3% | $96,171-68.7% | $85,847-64.9% |
| Participation rate | 35.5% | 56.7%-21.2pp | 68.4%-33.0pp | 69.3%-33.8pp |
| Annual return | 14.42% | 42.30%-27.9pp | 192.04%-177.6pp | 318.61%-304.2pp |
| Employer contribution / active EE | $1,480 | $1,620-8.6% | $2,799-47.1% | $2,565-42.3% |
| Participant deferral / active EE | $4,515 | $2,858+58.0% | $4,350+3.8% | $3,952+14.2% |
| Admin fee / account holder | $8,226 | $3,769+118.3% | $5,538+48.5% | $6,261+31.4% |