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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 | $3,870 | $29,319-86.8% | $52,425-92.6% | $82,448-95.3% |
| Participation rate | 40.7% | 46.9%-6.1pp | 55.6%-14.9pp | 68.1%-27.3pp |
| Annual return | 15.61% | 535.20%-519.6pp | 302.12%-286.5pp | 41.64%-26.0pp |
| Employer contribution / active EE | $885 | $586+50.8% | $914-3.2% | $2,551-65.3% |
| Participant deferral / active EE | $340 | $1,171-71.0% | $1,790-81.0% | $4,139-91.8% |
| Admin fee / account holder | $1,773 | $1,962-9.7% | $2,495-28.9% | $7,234-75.5% |