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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 | $31,274 | $28,624+9.3% | $53,647-41.7% | $82,637-62.2% |
| Participation rate | 60.0% | 47.3%+12.7pp | 56.3%+3.7pp | 68.1%-8.1pp |
| Annual return | 17.49% | 664.98%-647.5pp | 358.33%-340.8pp | 53.51%-36.0pp |
| Employer contribution / active EE | $931 | $637+46.3% | $962-3.2% | $2,552-63.5% |
| Participant deferral / active EE | $2,707 | $1,196+126.3% | $1,813+49.3% | $4,126-34.4% |
| Admin fee / account holder | $700 | $2,022-65.4% | $2,460-71.5% | $7,339-90.5% |