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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 | $31,512 | $58,234-45.9% | $81,783-61.5% | $80,874-61.0% |
| Participation rate | 61.1% | 63.4%-2.3pp | 72.4%-11.2pp | 67.6%-6.5pp |
| Annual return | 21.96% | 41.70%-19.7pp | 775.05%-753.1pp | 35.62%-13.7pp |
| Employer contribution / active EE | $1,698 | $2,341-27.5% | $2,913-41.7% | $2,756-38.4% |
| Participant deferral / active EE | $2,974 | $3,283-9.4% | $4,320-31.2% | $4,297-30.8% |
| Admin fee / account holder | $3,645 | $4,982-26.8% | $7,380-50.6% | $6,935-47.4% |