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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 | $82,758 | $29,670+178.9% | $56,054+47.6% | $80,911+2.3% |
| Participation rate | 20.7% | 41.7%-20.9pp | 52.5%-31.8pp | 67.6%-46.9pp |
| Annual return | 14.55% | 35.24%-20.7pp | 1705.95%-1691.4pp | 35.63%-21.1pp |
| Employer contribution / active EE | $631 | $670-5.7% | $1,039-39.2% | $2,756-77.1% |
| Participant deferral / active EE | $1,065 | $1,227-13.2% | $1,952-45.5% | $4,297-75.2% |
| Admin fee / account holder | $2,848 | $2,431+17.1% | $2,822+0.9% | $6,935-58.9% |