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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 | $38,529 | $67,823-43.2% | $52,425-26.5% | $137,256-71.9% |
| Participation rate | 14.3% | 63.9%-49.6pp | 55.6%-41.3pp | 80.0%-65.7pp |
| Annual return | 19.84% | 219.11%-199.3pp | 302.12%-282.3pp | 220.34%-200.5pp |
| Employer contribution / active EE | $606 | $1,163-47.9% | $914-33.7% | $4,156-85.4% |
| Participant deferral / active EE | $3,561 | $2,288+55.6% | $1,790+98.9% | $6,407-44.4% |
| Admin fee / account holder | $3,362 | $2,844+18.2% | $2,495+34.7% | $12,270-72.6% |