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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 | $32,251 | $29,319+10.0% | $52,425-38.5% | $82,448-60.9% |
| Participation rate | 23.3% | 46.9%-23.5pp | 55.6%-32.3pp | 68.1%-44.7pp |
| Annual return | 19.42% | 535.20%-515.8pp | 302.12%-282.7pp | 41.64%-22.2pp |
| Employer contribution / active EE | $601 | $586+2.5% | $914-34.3% | $2,551-76.4% |
| Participant deferral / active EE | $1,201 | $1,171+2.5% | $1,790-32.9% | $4,139-71.0% |
| Admin fee / account holder | $2,011 | $1,962+2.5% | $2,495-19.4% | $7,234-72.2% |