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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 | $2,989 | $69,118-95.7% | $53,647-94.4% | $138,895-97.8% |
| Participation rate | 30.8% | 64.0%-33.2pp | 56.3%-25.5pp | 79.9%-49.1pp |
| Annual return | 13.76% | 248.26%-234.5pp | 358.33%-344.6pp | 145.39%-131.6pp |
| Employer contribution / active EE | $433 | $1,189-63.6% | $962-55.0% | $4,194-89.7% |
| Participant deferral / active EE | $536 | $2,274-76.4% | $1,813-70.4% | $6,396-91.6% |
| Admin fee / account holder | $2,428 | $2,724-10.9% | $2,460-1.3% | $12,562-80.7% |