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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 | $29,416 | $29,736-1.1% | $56,033-47.5% | $80,935-63.7% |
| Participation rate | 53.8% | 41.7%+12.1pp | 52.5%+1.3pp | 67.7%-13.9pp |
| Annual return | 20.21% | 35.28%-15.1pp | 1711.38%-1691.2pp | 35.66%-15.4pp |
| Employer contribution / active EE | $1,186 | $671+76.7% | $1,041+14.0% | $2,757-57.0% |
| Participant deferral / active EE | $2,131 | $1,228+73.4% | $1,954+9.0% | $4,299-50.4% |
| Admin fee / account holder | $2,215 | $2,434-9.0% | $2,827-21.7% | $6,924-68.0% |