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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 | $28,871 | $28,624+0.9% | $53,647-46.2% | $82,637-65.1% |
| Participation rate | 19.3% | 47.3%-28.0pp | 56.3%-37.0pp | 68.1%-48.8pp |
| Annual return | 23.25% | 664.98%-641.7pp | 358.33%-335.1pp | 53.51%-30.3pp |
| Employer contribution / active EE | $454 | $637-28.7% | $962-52.8% | $2,552-82.2% |
| Participant deferral / active EE | $857 | $1,196-28.4% | $1,813-52.8% | $4,126-79.2% |
| Admin fee / account holder | $9,270 | $2,022+358.5% | $2,460+276.8% | $7,339+26.3% |