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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 | $59,766 | $29,051+105.7% | $52,425+14.0% | $67,986-12.1% |
| Participation rate | 24.8% | 30.4%-5.6pp | 55.6%-30.8pp | 57.2%-32.4pp |
| Annual return | 14.85% | 24.00%-9.1pp | 302.12%-287.3pp | 31.67%-16.8pp |
| Employer contribution / active EE | $108 | $412-73.7% | $914-88.2% | $2,019-94.6% |
| Participant deferral / active EE | $723 | $873-17.2% | $1,790-59.6% | $3,358-78.5% |
| Admin fee / account holder | $4,246 | $2,113+101.0% | $2,495+70.2% | $3,203+32.6% |