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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 | $31,641 | $29,319+7.9% | $52,425-39.6% | $82,448-61.6% |
| Participation rate | 25.4% | 46.9%-21.4pp | 55.6%-30.2pp | 68.1%-42.6pp |
| Annual return | 22.36% | 535.20%-512.8pp | 302.12%-279.8pp | 41.64%-19.3pp |
| Employer contribution / active EE | $1,462 | $586+149.3% | $914+59.9% | $2,551-42.7% |
| Participant deferral / active EE | $747 | $1,171-36.2% | $1,790-58.3% | $4,139-82.0% |
| Admin fee / account holder | $875 | $1,962-55.4% | $2,495-64.9% | $7,234-87.9% |