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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 | $75,830 | $29,716+155.2% | $56,077+35.2% | $80,925-6.3% |
| Participation rate | 21.4% | 41.7%-20.3pp | 52.5%-31.1pp | 67.7%-46.2pp |
| Annual return | 12.36% | 35.30%-22.9pp | 1709.28%-1696.9pp | 35.65%-23.3pp |
| Employer contribution / active EE | $235 | $671-64.9% | $1,040-77.4% | $2,756-91.5% |
| Participant deferral / active EE | $839 | $1,228-31.7% | $1,954-57.1% | $4,299-80.5% |
| Admin fee / account holder | $4,541 | $2,432+86.7% | $2,825+60.7% | $6,940-34.6% |