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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 | $87,046 | $28,624+204.1% | $53,647+62.3% | $82,637+5.3% |
| Participation rate | 15.4% | 47.3%-31.9pp | 56.3%-40.9pp | 68.1%-52.7pp |
| Annual return | 20.61% | 664.98%-644.4pp | 358.33%-337.7pp | 53.51%-32.9pp |
| Employer contribution / active EE | $324 | $637-49.1% | $962-66.3% | $2,552-87.3% |
| Participant deferral / active EE | $2,584 | $1,196+116.1% | $1,813+42.5% | $4,126-37.4% |
| Admin fee / account holder | $439 | $2,022-78.3% | $2,460-82.1% | $7,339-94.0% |