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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 | $64,158 | $29,670+116.2% | $56,054+14.5% | $80,911-20.7% |
| Participation rate | 27.8% | 41.7%-13.9pp | 52.5%-24.7pp | 67.6%-39.9pp |
| Annual return | 13.74% | 35.24%-21.5pp | 1705.95%-1692.2pp | 35.63%-21.9pp |
| Employer contribution / active EE | $448 | $670-33.1% | $1,039-56.9% | $2,756-83.7% |
| Participant deferral / active EE | $1,151 | $1,227-6.2% | $1,952-41.0% | $4,297-73.2% |
| Admin fee / account holder | $366 | $2,431-85.0% | $2,822-87.0% | $6,935-94.7% |