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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 | $49,452 | $28,624+72.8% | $53,647-7.8% | $82,637-40.2% |
| Participation rate | 18.4% | 47.3%-28.8pp | 56.3%-37.9pp | 68.1%-49.6pp |
| Annual return | 22.99% | 664.98%-642.0pp | 358.33%-335.3pp | 53.51%-30.5pp |
| Employer contribution / active EE | $233 | $637-63.5% | $962-75.8% | $2,552-90.9% |
| Participant deferral / active EE | $272 | $1,196-77.3% | $1,813-85.0% | $4,126-93.4% |
| Admin fee / account holder | $1,322 | $2,022-34.6% | $2,460-46.2% | $7,339-82.0% |