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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 | $32,343 | $29,319+10.3% | $52,425-38.3% | $82,448-60.8% |
| Participation rate | 29.7% | 46.9%-17.2pp | 55.6%-25.9pp | 68.1%-38.4pp |
| Annual return | 16.10% | 535.20%-519.1pp | 302.12%-286.0pp | 41.64%-25.5pp |
| Employer contribution / active EE | $481 | $586-18.1% | $914-47.4% | $2,551-81.2% |
| Participant deferral / active EE | $1,026 | $1,171-12.4% | $1,790-42.7% | $4,139-75.2% |
| Admin fee / account holder | $3,325 | $1,962+69.5% | $2,495+33.3% | $7,234-54.0% |