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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 | $29,836 | $109,372-72.7% | $89,414-66.6% | $158,966-81.2% |
| Participation rate | 16.7% | 74.3%-57.6pp | 68.0%-51.3pp | 82.0%-65.3pp |
| Annual return | 32.95% | 345.55%-312.6pp | 245.50%-212.6pp | 302.95%-270.0pp |
| Employer contribution / active EE | $696 | $3,171-78.1% | $2,586-73.1% | $4,762-85.4% |
| Participant deferral / active EE | $2,373 | $4,598-48.4% | $3,890-39.0% | $5,983-60.3% |
| Admin fee / account holder | $376 | $6,156-93.9% | $4,883-92.3% | $11,250-96.7% |