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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 | $45,423 | $39,028+16.4% | $80,741-43.7% | $85,847-47.1% |
| Participation rate | 36.6% | 41.6%-5.0pp | 54.2%-17.6pp | 69.3%-32.7pp |
| Annual return | 12.91% | 26.31%-13.4pp | 87.30%-74.4pp | 318.61%-305.7pp |
| Employer contribution / active EE | $712 | $722-1.4% | $1,160-38.6% | $2,565-72.2% |
| Participant deferral / active EE | $2,550 | $1,326+92.4% | $2,145+18.9% | $3,952-35.5% |
| Admin fee / account holder | $898 | $2,429-63.0% | $3,380-73.4% | $6,261-85.7% |