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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 | $66,726 | $67,823-1.6% | $52,425+27.3% | $137,256-51.4% |
| Participation rate | 45.5% | 63.9%-18.5pp | 55.6%-10.2pp | 80.0%-34.5pp |
| Annual return | 19.43% | 219.11%-199.7pp | 302.12%-282.7pp | 220.34%-200.9pp |
| Employer contribution / active EE | $642 | $1,163-44.8% | $914-29.8% | $4,156-84.6% |
| Participant deferral / active EE | $3,566 | $2,288+55.8% | $1,790+99.1% | $6,407-44.3% |
| Admin fee / account holder | $991 | $2,844-65.1% | $2,495-60.3% | $12,270-91.9% |