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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 | $45,469 | $29,319+55.1% | $52,425-13.3% | $82,448-44.9% |
| Participation rate | 16.7% | 46.9%-30.2pp | 55.6%-39.0pp | 68.1%-51.4pp |
| Annual return | 18.67% | 535.20%-516.5pp | 302.12%-283.5pp | 41.64%-23.0pp |
| Employer contribution / active EE | $432 | $586-26.3% | $914-52.7% | $2,551-83.1% |
| Participant deferral / active EE | $1,439 | $1,171+22.8% | $1,790-19.6% | $4,139-65.2% |
| Admin fee / account holder | $1,141 | $1,962-41.9% | $2,495-54.3% | $7,234-84.2% |