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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 | $46,469 | $29,319+58.5% | $52,425-11.4% | $82,448-43.6% |
| Participation rate | 10.4% | 46.9%-36.4pp | 55.6%-45.2pp | 68.1%-57.6pp |
| Annual return | 23.89% | 535.20%-511.3pp | 302.12%-278.2pp | 41.64%-17.7pp |
| Employer contribution / active EE | $313 | $586-46.7% | $914-65.8% | $2,551-87.7% |
| Participant deferral / active EE | $603 | $1,171-48.6% | $1,790-66.3% | $4,139-85.4% |
| Admin fee / account holder | $4,651 | $1,962+137.1% | $2,495+86.4% | $7,234-35.7% |