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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 | $24,469 | $37,436-34.6% | $77,513-68.4% | $79,858-69.4% |
| Participation rate | 35.5% | 41.5%-6.0pp | 54.2%-18.7pp | 69.6%-34.2pp |
| Annual return | 304.30% | 39.75%+264.5pp | 54.81%+249.5pp | 31.72%+272.6pp |
| Employer contribution / active EE | $327 | $637-48.7% | $987-66.9% | $2,471-86.8% |
| Participant deferral / active EE | $1,345 | $1,261+6.7% | $1,861-27.7% | $3,740-64.0% |
| Admin fee / account holder | $966 | $2,505-61.4% | $2,859-66.2% | $5,306-81.8% |