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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 | $26,432 | $28,624-7.7% | $53,647-50.7% | $82,637-68.0% |
| Participation rate | 42.9% | 47.3%-4.4pp | 56.3%-13.4pp | 68.1%-25.2pp |
| Annual return | 23.23% | 664.98%-641.8pp | 358.33%-335.1pp | 53.51%-30.3pp |
| Employer contribution / active EE | $956 | $637+50.1% | $962-0.7% | $2,552-62.6% |
| Participant deferral / active EE | $3,017 | $1,196+152.3% | $1,813+66.4% | $4,126-26.9% |
| Admin fee / account holder | $1,935 | $2,022-4.3% | $2,460-21.3% | $7,339-73.6% |