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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 | $49,594 | $31,105+59.4% | $53,647-7.6% | $64,097-22.6% |
| Participation rate | 23.9% | 30.7%-6.8pp | 56.3%-32.4pp | 55.2%-31.3pp |
| Annual return | 16.46% | 22.54%-6.1pp | 358.33%-341.9pp | 34.64%-18.2pp |
| Employer contribution / active EE | $423 | $441-3.9% | $962-56.0% | $1,891-77.6% |
| Participant deferral / active EE | $692 | $896-22.8% | $1,813-61.9% | $3,080-77.5% |
| Admin fee / account holder | $3,114 | $2,195+41.9% | $2,460+26.6% | $3,454-9.8% |