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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 | $37,052 | $29,319+26.4% | $52,425-29.3% | $82,448-55.1% |
| Participation rate | 35.4% | 46.9%-11.4pp | 55.6%-20.2pp | 68.1%-32.7pp |
| Annual return | 16.01% | 535.20%-519.2pp | 302.12%-286.1pp | 41.64%-25.6pp |
| Employer contribution / active EE | $792 | $586+35.1% | $914-13.4% | $2,551-68.9% |
| Participant deferral / active EE | $1,786 | $1,171+52.5% | $1,790-0.3% | $4,139-56.9% |
| Admin fee / account holder | $12,725 | $1,962+548.5% | $2,495+410.0% | $7,234+75.9% |