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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 | $28,624+29.4% | $53,647-30.9% | $82,637-55.2% |
| Participation rate | 35.4% | 47.3%-11.9pp | 56.3%-20.9pp | 68.1%-32.6pp |
| Annual return | 16.01% | 664.98%-649.0pp | 358.33%-342.3pp | 53.51%-37.5pp |
| Employer contribution / active EE | $792 | $637+24.4% | $962-17.7% | $2,552-69.0% |
| Participant deferral / active EE | $1,786 | $1,196+49.3% | $1,813-1.5% | $4,126-56.7% |
| Admin fee / account holder | $12,725 | $2,022+529.4% | $2,460+417.3% | $7,339+73.4% |