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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 | $49,937 | $28,624+74.5% | $53,647-6.9% | $82,637-39.6% |
| Participation rate | 15.2% | 47.3%-32.1pp | 56.3%-41.1pp | 68.1%-52.8pp |
| Annual return | 17.13% | 664.98%-647.8pp | 358.33%-341.2pp | 53.51%-36.4pp |
| Employer contribution / active EE | $530 | $637-16.8% | $962-44.9% | $2,552-79.2% |
| Participant deferral / active EE | $2,182 | $1,196+82.4% | $1,813+20.3% | $4,126-47.1% |
| Admin fee / account holder | $12,036 | $2,022+495.3% | $2,460+389.3% | $7,339+64.0% |