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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 | $7,192 | $29,319-75.5% | $52,425-86.3% | $82,448-91.3% |
| Participation rate | 59.5% | 46.9%+12.7pp | 55.6%+3.9pp | 68.1%-8.5pp |
| Annual return | 21.80% | 535.20%-513.4pp | 302.12%-280.3pp | 41.64%-19.8pp |
| Employer contribution / active EE | $597 | $586+1.8% | $914-34.7% | $2,551-76.6% |
| Participant deferral / active EE | $1,854 | $1,171+58.3% | $1,790+3.5% | $4,139-55.2% |
| Admin fee / account holder | $310 | $1,962-84.2% | $2,495-87.6% | $7,234-95.7% |