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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 | $48,783 | $45,123+8.1% | $85,240-42.8% | $74,478-34.5% |
| Participation rate | 21.4% | 49.4%-27.9pp | 67.5%-46.1pp | 67.2%-45.8pp |
| Annual return | 12.22% | 26.32%-14.1pp | 66.75%-54.5pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $664 | $1,459-54.5% | $2,735-75.7% | $2,626-74.7% |
| Participant deferral / active EE | $1,703 | $2,736-37.8% | $4,527-62.4% | $4,350-60.9% |
| Admin fee / account holder | $12,347 | $2,215+457.5% | $6,165+100.3% | $1,946+534.6% |