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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 | $47,706 | $28,624+66.7% | $53,647-11.1% | $82,637-42.3% |
| Participation rate | 28.0% | 47.3%-19.3pp | 56.3%-28.3pp | 68.1%-40.1pp |
| Annual return | 25.58% | 664.98%-639.4pp | 358.33%-332.8pp | 53.51%-27.9pp |
| Employer contribution / active EE | $446 | $637-30.0% | $962-53.7% | $2,552-82.5% |
| Participant deferral / active EE | $1,342 | $1,196+12.2% | $1,813-26.0% | $4,126-67.5% |
| Admin fee / account holder | $1,893 | $2,022-6.4% | $2,460-23.0% | $7,339-74.2% |