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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 | $44,885 | $34,316+30.8% | $74,723-39.9% | $72,976-38.5% |
| Participation rate | 31.1% | 42.4%-11.3pp | 54.5%-23.4pp | 69.5%-38.4pp |
| Annual return | 22.71% | 26.58%-3.9pp | 753.18%-730.5pp | 81.02%-58.3pp |
| Employer contribution / active EE | $570 | $692-17.7% | $1,084-47.5% | $2,440-76.7% |
| Participant deferral / active EE | $1,937 | $1,272+52.3% | $1,962-1.2% | $3,608-46.3% |
| Admin fee / account holder | $1,113 | $2,125-47.6% | $3,335-66.6% | $5,124-78.3% |