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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 | $53,556 | $29,319+82.7% | $52,425+2.2% | $82,448-35.0% |
| Participation rate | 28.6% | 46.9%-18.3pp | 55.6%-27.1pp | 68.1%-39.5pp |
| Annual return | 16.01% | 535.20%-519.2pp | 302.12%-286.1pp | 41.64%-25.6pp |
| Employer contribution / active EE | $520 | $586-11.3% | $914-43.1% | $2,551-79.6% |
| Participant deferral / active EE | $1,649 | $1,171+40.7% | $1,790-7.9% | $4,139-60.2% |
| Admin fee / account holder | $754 | $1,962-61.6% | $2,495-69.8% | $7,234-89.6% |