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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 | $28,881 | $29,319-1.5% | $52,425-44.9% | $82,448-65.0% |
| Participation rate | 49.3% | 46.9%+2.4pp | 55.6%-6.3pp | 68.1%-18.8pp |
| Annual return | 15.07% | 535.20%-520.1pp | 302.12%-287.1pp | 41.64%-26.6pp |
| Employer contribution / active EE | $161 | $586-72.6% | $914-82.4% | $2,551-93.7% |
| Participant deferral / active EE | $837 | $1,171-28.6% | $1,790-53.3% | $4,139-79.8% |
| Admin fee / account holder | $4,104 | $1,962+109.2% | $2,495+64.5% | $7,234-43.3% |