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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 | $69,118-3.5% | $53,647+24.4% | $138,895-52.0% |
| Participation rate | 45.5% | 64.0%-18.5pp | 56.3%-10.8pp | 79.9%-34.5pp |
| Annual return | 19.43% | 248.26%-228.8pp | 358.33%-338.9pp | 145.39%-126.0pp |
| Employer contribution / active EE | $642 | $1,189-46.0% | $962-33.3% | $4,194-84.7% |
| Participant deferral / active EE | $3,566 | $2,274+56.8% | $1,813+96.6% | $6,396-44.3% |
| Admin fee / account holder | $991 | $2,724-63.6% | $2,460-59.7% | $12,562-92.1% |