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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 | $47,672 | $29,319+62.6% | $52,425-9.1% | $82,448-42.2% |
| Participation rate | 25.9% | 46.9%-21.0pp | 55.6%-29.8pp | 68.1%-42.2pp |
| Annual return | 24.85% | 535.20%-510.4pp | 302.12%-277.3pp | 41.64%-16.8pp |
| Employer contribution / active EE | $397 | $586-32.3% | $914-56.6% | $2,551-84.4% |
| Participant deferral / active EE | $1,222 | $1,171+4.3% | $1,790-31.8% | $4,139-70.5% |
| Admin fee / account holder | $1,701 | $1,962-13.3% | $2,495-31.8% | $7,234-76.5% |