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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 | $39,162 | $29,319+33.6% | $52,425-25.3% | $82,448-52.5% |
| Participation rate | 16.7% | 46.9%-30.2pp | 55.6%-39.0pp | 68.1%-51.4pp |
| Annual return | 19.42% | 535.20%-515.8pp | 302.12%-282.7pp | 41.64%-22.2pp |
| Employer contribution / active EE | $330 | $586-43.8% | $914-63.9% | $2,551-87.1% |
| Participant deferral / active EE | $597 | $1,171-49.0% | $1,790-66.6% | $4,139-85.6% |
| Admin fee / account holder | $2,570 | $1,962+31.0% | $2,495+3.0% | $7,234-64.5% |