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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 | $33,855 | $29,319+15.5% | $52,425-35.4% | $82,448-58.9% |
| Participation rate | 40.9% | 46.9%-5.9pp | 55.6%-14.7pp | 68.1%-27.2pp |
| Annual return | 15.80% | 535.20%-519.4pp | 302.12%-286.3pp | 41.64%-25.8pp |
| Employer contribution / active EE | $728 | $586+24.1% | $914-20.4% | $2,551-71.5% |
| Participant deferral / active EE | $2,392 | $1,171+104.2% | $1,790+33.6% | $4,139-42.2% |
| Admin fee / account holder | $804 | $1,962-59.0% | $2,495-67.8% | $7,234-88.9% |