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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 | $24,074 | $45,152-46.7% | $73,836-67.4% | $59,633-59.6% |
| Participation rate | 47.7% | 64.0%-16.3pp | 73.4%-25.7pp | 68.7%-20.9pp |
| Annual return | 17.21% | 27.40%-10.2pp | 2268.06%-2250.8pp | 2041.45%-2024.2pp |
| Employer contribution / active EE | $1,472 | $1,901-22.6% | $2,787-47.2% | $2,203-33.2% |
| Participant deferral / active EE | $3,788 | $2,573+47.2% | $3,583+5.7% | $3,192+18.7% |
| Admin fee / account holder | $2,722 | $3,515-22.5% | $4,882-44.2% | $4,297-36.6% |