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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 | $39,442 | $29,319+34.5% | $52,425-24.8% | $82,448-52.2% |
| Participation rate | 11.6% | 46.9%-35.2pp | 55.6%-44.0pp | 68.1%-56.4pp |
| Annual return | 17.53% | 535.20%-517.7pp | 302.12%-284.6pp | 41.64%-24.1pp |
| Employer contribution / active EE | $160 | $586-72.7% | $914-82.5% | $2,551-93.7% |
| Participant deferral / active EE | $910 | $1,171-22.3% | $1,790-49.2% | $4,139-78.0% |
| Admin fee / account holder | $3,600 | $1,962+83.5% | $2,495+44.3% | $7,234-50.2% |