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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 | $28,624+62.3% | $53,647-13.4% | $82,637-43.8% |
| Participation rate | 10.4% | 47.3%-36.8pp | 56.3%-45.8pp | 68.1%-57.6pp |
| Annual return | 23.89% | 664.98%-641.1pp | 358.33%-334.4pp | 53.51%-29.6pp |
| Employer contribution / active EE | $313 | $637-50.9% | $962-67.5% | $2,552-87.7% |
| Participant deferral / active EE | $603 | $1,196-49.6% | $1,813-66.8% | $4,126-85.4% |
| Admin fee / account holder | $4,651 | $2,022+130.1% | $2,460+89.1% | $7,339-36.6% |