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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 | $42,532 | $29,319+45.1% | $52,425-18.9% | $82,448-48.4% |
| Participation rate | 37.9% | 46.9%-8.9pp | 55.6%-17.7pp | 68.1%-30.1pp |
| Annual return | 22.80% | 535.20%-512.4pp | 302.12%-279.3pp | 41.64%-18.8pp |
| Employer contribution / active EE | $997 | $586+70.0% | $914+9.0% | $2,551-60.9% |
| Participant deferral / active EE | $3,055 | $1,171+160.8% | $1,790+70.6% | $4,139-26.2% |
| Admin fee / account holder | $670 | $1,962-65.9% | $2,495-73.1% | $7,234-90.7% |