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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 | $23,132 | $29,319-21.1% | $52,425-55.9% | $82,448-71.9% |
| Participation rate | 66.7% | 46.9%+19.8pp | 55.6%+11.0pp | 68.1%-1.4pp |
| Annual return | 16.10% | 535.20%-519.1pp | 302.12%-286.0pp | 41.64%-25.5pp |
| Employer contribution / active EE | $817 | $586+39.4% | $914-10.6% | $2,551-68.0% |
| Participant deferral / active EE | $2,095 | $1,171+78.9% | $1,790+17.0% | $4,139-49.4% |
| Admin fee / account holder | $321 | $1,962-83.7% | $2,495-87.2% | $7,234-95.6% |