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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 | $56,519 | $29,733+90.1% | $56,025+0.9% | $80,959-30.2% |
| Participation rate | 30.2% | 41.7%-11.5pp | 52.5%-22.3pp | 67.7%-37.4pp |
| Annual return | 13.44% | 35.28%-21.8pp | 1712.69%-1699.2pp | 35.67%-22.2pp |
| Employer contribution / active EE | $189 | $672-71.8% | $1,042-81.8% | $2,757-93.1% |
| Participant deferral / active EE | $2,015 | $1,229+63.9% | $1,955+3.1% | $4,300-53.1% |
| Admin fee / account holder | $5,403 | $2,434+122.0% | $2,828+91.0% | $6,925-22.0% |