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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 | $28,713 | $39,028-26.4% | $80,741-64.4% | $85,847-66.6% |
| Participation rate | 23.8% | 41.6%-17.7pp | 54.2%-30.4pp | 69.3%-45.5pp |
| Annual return | 13.77% | 26.31%-12.5pp | 87.30%-73.5pp | 318.61%-304.8pp |
| Employer contribution / active EE | $697 | $722-3.5% | $1,160-39.9% | $2,565-72.8% |
| Participant deferral / active EE | $1,459 | $1,326+10.1% | $2,145-32.0% | $3,952-63.1% |
| Admin fee / account holder | $468 | $2,429-80.7% | $3,380-86.2% | $6,261-92.5% |