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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 | $44,966 | $29,319+53.4% | $52,425-14.2% | $82,448-45.5% |
| Participation rate | 14.0% | 46.9%-32.9pp | 55.6%-41.6pp | 68.1%-54.1pp |
| Annual return | 21.68% | 535.20%-513.5pp | 302.12%-280.4pp | 41.64%-20.0pp |
| Employer contribution / active EE | $413 | $586-29.7% | $914-54.9% | $2,551-83.8% |
| Participant deferral / active EE | $1,673 | $1,171+42.9% | $1,790-6.5% | $4,139-59.6% |
| Admin fee / account holder | $683 | $1,962-65.2% | $2,495-72.6% | $7,234-90.6% |