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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 | $29,716+90.2% | $56,077+0.8% | $80,925-30.2% |
| Participation rate | 30.2% | 41.7%-11.5pp | 52.5%-22.3pp | 67.7%-37.4pp |
| Annual return | 13.44% | 35.30%-21.9pp | 1709.28%-1695.8pp | 35.65%-22.2pp |
| Employer contribution / active EE | $189 | $671-71.8% | $1,040-81.8% | $2,756-93.1% |
| Participant deferral / active EE | $2,015 | $1,228+64.0% | $1,954+3.1% | $4,299-53.1% |
| Admin fee / account holder | $5,403 | $2,432+122.2% | $2,825+91.3% | $6,940-22.1% |