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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 | $29,320 | $67,823-56.8% | $52,425-44.1% | $137,256-78.6% |
| Participation rate | 37.5% | 63.9%-26.4pp | 55.6%-18.1pp | 80.0%-42.5pp |
| Annual return | 27.80% | 219.11%-191.3pp | 302.12%-274.3pp | 220.34%-192.5pp |
| Employer contribution / active EE | $429 | $1,163-63.1% | $914-53.1% | $4,156-89.7% |
| Participant deferral / active EE | $2,180 | $2,288-4.7% | $1,790+21.8% | $6,407-66.0% |
| Admin fee / account holder | $659 | $2,844-76.8% | $2,495-73.6% | $12,270-94.6% |