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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 | $27,962 | $29,319-4.6% | $52,425-46.7% | $82,448-66.1% |
| Participation rate | 27.0% | 46.9%-19.8pp | 55.6%-28.6pp | 68.1%-41.0pp |
| Annual return | 18.82% | 535.20%-516.4pp | 302.12%-283.3pp | 41.64%-22.8pp |
| Employer contribution / active EE | $329 | $586-43.8% | $914-64.0% | $2,551-87.1% |
| Participant deferral / active EE | $1,132 | $1,171-3.3% | $1,790-36.8% | $4,139-72.6% |
| Admin fee / account holder | $7,703 | $1,962+292.6% | $2,495+208.7% | $7,234+6.5% |