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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 | $40,265 | $29,319+37.3% | $52,425-23.2% | $82,448-51.2% |
| Participation rate | 32.1% | 46.9%-14.8pp | 55.6%-23.5pp | 68.1%-36.0pp |
| Annual return | 20.36% | 535.20%-514.8pp | 302.12%-281.8pp | 41.64%-21.3pp |
| Employer contribution / active EE | $515 | $586-12.3% | $914-43.7% | $2,551-79.8% |
| Participant deferral / active EE | $1,234 | $1,171+5.4% | $1,790-31.1% | $4,139-70.2% |
| Admin fee / account holder | $2,150 | $1,962+9.6% | $2,495-13.8% | $7,234-70.3% |