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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 | $44,208 | $29,051+52.2% | $52,425-15.7% | $67,986-35.0% |
| Participation rate | 20.8% | 30.4%-9.6pp | 55.6%-34.8pp | 57.2%-36.4pp |
| Annual return | 20.83% | 24.00%-3.2pp | 302.12%-281.3pp | 31.67%-10.8pp |
| Employer contribution / active EE | $305 | $412-26.0% | $914-66.7% | $2,019-84.9% |
| Participant deferral / active EE | $837 | $873-4.2% | $1,790-53.3% | $3,358-75.1% |
| Admin fee / account holder | $779 | $2,113-63.1% | $2,495-68.8% | $3,203-75.7% |