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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 | $35,804 | $29,319+22.1% | $52,425-31.7% | $82,448-56.6% |
| Participation rate | 25.8% | 46.9%-21.0pp | 55.6%-29.8pp | 68.1%-42.3pp |
| Annual return | 16.84% | 535.20%-518.4pp | 302.12%-285.3pp | 41.64%-24.8pp |
| Employer contribution / active EE | $529 | $586-9.9% | $914-42.2% | $2,551-79.3% |
| Participant deferral / active EE | $1,448 | $1,171+23.6% | $1,790-19.1% | $4,139-65.0% |
| Admin fee / account holder | $14,586 | $1,962+643.4% | $2,495+484.6% | $7,234+101.6% |