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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 | $73,105 | $29,525+147.6% | $56,033+30.5% | $77,736-6.0% |
| Participation rate | 26.3% | 32.7%-6.3pp | 52.5%-26.2pp | 70.6%-44.2pp |
| Annual return | 13.86% | 18.90%-5.0pp | 1711.38%-1697.5pp | 31.26%-17.4pp |
| Employer contribution / active EE | $575 | $569+1.0% | $1,041-44.8% | $2,728-78.9% |
| Participant deferral / active EE | $924 | $1,062-13.0% | $1,954-52.7% | $4,651-80.1% |
| Admin fee / account holder | $8,024 | $1,040+671.6% | $2,827+183.8% | $433+1751.9% |