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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 | $43,493 | $29,319+48.3% | $52,425-17.0% | $82,448-47.2% |
| Participation rate | 16.9% | 46.9%-29.9pp | 55.6%-38.7pp | 68.1%-51.1pp |
| Annual return | 21.96% | 535.20%-513.2pp | 302.12%-280.2pp | 41.64%-19.7pp |
| Employer contribution / active EE | $279 | $586-52.5% | $914-69.5% | $2,551-89.1% |
| Participant deferral / active EE | $730 | $1,171-37.7% | $1,790-59.2% | $4,139-82.4% |
| Admin fee / account holder | $19,607 | $1,962+899.3% | $2,495+685.9% | $7,234+171.0% |