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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 | $53,762 | $29,319+83.4% | $52,425+2.6% | $82,448-34.8% |
| Participation rate | 15.4% | 46.9%-31.5pp | 55.6%-40.2pp | 68.1%-52.7pp |
| Annual return | 20.05% | 535.20%-515.1pp | 302.12%-282.1pp | 41.64%-21.6pp |
| Employer contribution / active EE | $394 | $586-32.8% | $914-56.9% | $2,551-84.6% |
| Participant deferral / active EE | $1,055 | $1,171-9.9% | $1,790-41.1% | $4,139-74.5% |
| Admin fee / account holder | $3,234 | $1,962+64.8% | $2,495+29.6% | $7,234-55.3% |