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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 | $31,229 | $36,595-14.7% | $88,179-64.6% | $71,012-56.0% |
| Participation rate | 15.1% | 29.2%-14.1pp | 69.1%-54.0pp | 58.6%-43.4pp |
| Annual return | 29.90% | 61.46%-31.6pp | 64.97%-35.1pp | 37.67%-7.8pp |
| Employer contribution / active EE | $0 | $787-100.0% | $2,549-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $630 | $1,195-47.2% | $4,614-86.3% | $3,246-80.6% |
| Admin fee / account holder | $1,884 | $2,755-31.6% | $7,673-75.4% | $1,167+61.4% |