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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 | $61,401 | $59,467+3.3% | $93,727-34.5% | $74,478-17.6% |
| Participation rate | 29.6% | 59.6%-30.0pp | 68.7%-39.1pp | 67.2%-37.6pp |
| Annual return | 14.78% | 82.14%-67.4pp | 133.83%-119.0pp | 1370.56%-1355.8pp |
| Employer contribution / active EE | $827 | $1,267-34.7% | $2,421-65.8% | $2,626-68.5% |
| Participant deferral / active EE | $1,669 | $3,052-45.3% | $4,417-62.2% | $4,350-61.6% |
| Admin fee / account holder | $4,695 | $3,028+55.0% | $8,292-43.4% | $1,946+141.3% |