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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 | $46,408 | $28,624+62.1% | $53,647-13.5% | $82,637-43.8% |
| Participation rate | 30.2% | 47.3%-17.0pp | 56.3%-26.0pp | 68.1%-37.8pp |
| Annual return | 16.75% | 664.98%-648.2pp | 358.33%-341.6pp | 53.51%-36.8pp |
| Employer contribution / active EE | $792 | $637+24.3% | $962-17.7% | $2,552-69.0% |
| Participant deferral / active EE | $1,352 | $1,196+13.0% | $1,813-25.4% | $4,126-67.2% |
| Admin fee / account holder | $3,936 | $2,022+94.7% | $2,460+60.0% | $7,339-46.4% |