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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 | $55,867 | $29,319+90.5% | $52,425+6.6% | $82,448-32.2% |
| Participation rate | 10.3% | 46.9%-36.6pp | 55.6%-45.4pp | 68.1%-57.8pp |
| Annual return | 20.72% | 535.20%-514.5pp | 302.12%-281.4pp | 41.64%-20.9pp |
| Employer contribution / active EE | $189 | $586-67.9% | $914-79.4% | $2,551-92.6% |
| Participant deferral / active EE | $1,158 | $1,171-1.2% | $1,790-35.3% | $4,139-72.0% |
| Admin fee / account holder | $307 | $1,962-84.4% | $2,495-87.7% | $7,234-95.8% |