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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 | $49,293 | $29,319+68.1% | $52,425-6.0% | $82,448-40.2% |
| Participation rate | 16.7% | 46.9%-30.2pp | 55.6%-39.0pp | 68.1%-51.4pp |
| Annual return | 17.63% | 535.20%-517.6pp | 302.12%-284.5pp | 41.64%-24.0pp |
| Employer contribution / active EE | $560 | $586-4.5% | $914-38.7% | $2,551-78.0% |
| Participant deferral / active EE | $1,786 | $1,171+52.4% | $1,790-0.3% | $4,139-56.9% |
| Admin fee / account holder | $4,656 | $1,962+137.3% | $2,495+86.6% | $7,234-35.6% |