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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 | $48,395 | $29,319+65.1% | $52,425-7.7% | $82,448-41.3% |
| Participation rate | 20.0% | 46.9%-26.9pp | 55.6%-35.6pp | 68.1%-48.1pp |
| Annual return | 22.55% | 535.20%-512.7pp | 302.12%-279.6pp | 41.64%-19.1pp |
| Employer contribution / active EE | $646 | $586+10.2% | $914-29.3% | $2,551-74.7% |
| Participant deferral / active EE | $2,188 | $1,171+86.8% | $1,790+22.2% | $4,139-47.1% |
| Admin fee / account holder | $3,122 | $1,962+59.1% | $2,495+25.1% | $7,234-56.9% |