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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 | $26,694 | $55,470-51.9% | $155,556-82.8% | $74,478-64.2% |
| Participation rate | 23.6% | 61.9%-38.3pp | 78.2%-54.6pp | 67.2%-43.6pp |
| Annual return | 13.60% | 269.80%-256.2pp | 64.84%-51.2pp | 1370.56%-1357.0pp |
| Employer contribution / active EE | $635 | $2,267-72.0% | $4,675-86.4% | $2,626-75.8% |
| Participant deferral / active EE | $1,153 | $2,838-59.4% | $5,631-79.5% | $4,350-73.5% |
| Admin fee / account holder | $2,475 | $1,744+41.9% | $15,885-84.4% | $1,946+27.2% |