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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 | $33,612 | $28,624+17.4% | $53,647-37.3% | $82,637-59.3% |
| Participation rate | 21.9% | 47.3%-25.4pp | 56.3%-34.4pp | 68.1%-46.1pp |
| Annual return | 23.40% | 664.98%-641.6pp | 358.33%-334.9pp | 53.51%-30.1pp |
| Employer contribution / active EE | $532 | $637-16.5% | $962-44.7% | $2,552-79.2% |
| Participant deferral / active EE | $1,227 | $1,196+2.6% | $1,813-32.3% | $4,126-70.3% |
| Admin fee / account holder | $377 | $2,022-81.3% | $2,460-84.7% | $7,339-94.9% |