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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 | $55,865 | $29,319+90.5% | $52,425+6.6% | $82,448-32.2% |
| Participation rate | 15.4% | 46.9%-31.5pp | 55.6%-40.2pp | 68.1%-52.7pp |
| Annual return | 18.66% | 535.20%-516.5pp | 302.12%-283.5pp | 41.64%-23.0pp |
| Employer contribution / active EE | $526 | $586-10.3% | $914-42.4% | $2,551-79.4% |
| Participant deferral / active EE | $1,052 | $1,171-10.2% | $1,790-41.2% | $4,139-74.6% |
| Admin fee / account holder | $378 | $1,962-80.7% | $2,495-84.8% | $7,234-94.8% |