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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 | $57,008 | $29,736+91.7% | $56,033+1.7% | $80,935-29.6% |
| Participation rate | 23.8% | 41.7%-17.9pp | 52.5%-28.7pp | 67.7%-43.9pp |
| Annual return | 18.75% | 35.28%-16.5pp | 1711.38%-1692.6pp | 35.66%-16.9pp |
| Employer contribution / active EE | $463 | $671-31.1% | $1,041-55.6% | $2,757-83.2% |
| Participant deferral / active EE | $2,497 | $1,228+103.3% | $1,954+27.8% | $4,299-41.9% |
| Admin fee / account holder | $660 | $2,434-72.9% | $2,827-76.7% | $6,924-90.5% |