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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 | $38,684 | $29,051+33.2% | $52,425-26.2% | $67,986-43.1% |
| Participation rate | 17.7% | 30.4%-12.7pp | 55.6%-37.9pp | 57.2%-39.5pp |
| Annual return | 18.97% | 24.00%-5.0pp | 302.12%-283.2pp | 31.67%-12.7pp |
| Employer contribution / active EE | $382 | $412-7.2% | $914-58.2% | $2,019-81.1% |
| Participant deferral / active EE | $958 | $873+9.7% | $1,790-46.5% | $3,358-71.5% |
| Admin fee / account holder | $1,715 | $2,113-18.8% | $2,495-31.2% | $3,203-46.4% |