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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 | $46,869 | $47,479-1.3% | $62,929-25.5% | $82,448-43.2% |
| Participation rate | 12.3% | 66.9%-54.6pp | 73.1%-60.8pp | 68.1%-55.8pp |
| Annual return | 58.70% | 20.34%+38.4pp | 1063.93%-1005.2pp | 41.64%+17.1pp |
| Employer contribution / active EE | $335 | $1,885-82.2% | $2,505-86.6% | $2,551-86.9% |
| Participant deferral / active EE | $809 | $2,870-71.8% | $3,888-79.2% | $4,139-80.5% |
| Admin fee / account holder | $3,552 | $3,804-6.6% | $5,065-29.9% | $7,234-50.9% |