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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 | $45,839 | $67,823-32.4% | $52,425-12.6% | $137,256-66.6% |
| Participation rate | 30.0% | 63.9%-33.9pp | 55.6%-25.6pp | 80.0%-50.0pp |
| Annual return | 11.61% | 219.11%-207.5pp | 302.12%-290.5pp | 220.34%-208.7pp |
| Employer contribution / active EE | $145 | $1,163-87.5% | $914-84.1% | $4,156-96.5% |
| Participant deferral / active EE | $726 | $2,288-68.3% | $1,790-59.5% | $6,407-88.7% |
| Admin fee / account holder | $869 | $2,844-69.5% | $2,495-65.2% | $12,270-92.9% |