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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 | $42,352 | $28,624+48.0% | $53,647-21.1% | $82,637-48.7% |
| Participation rate | 14.6% | 47.3%-32.6pp | 56.3%-41.6pp | 68.1%-53.4pp |
| Annual return | 21.01% | 664.98%-644.0pp | 358.33%-337.3pp | 53.51%-32.5pp |
| Employer contribution / active EE | $288 | $637-54.7% | $962-70.0% | $2,552-88.7% |
| Participant deferral / active EE | $1,361 | $1,196+13.8% | $1,813-24.9% | $4,126-67.0% |
| Admin fee / account holder | $1,884 | $2,022-6.8% | $2,460-23.4% | $7,339-74.3% |