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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 | $75,137 | $29,736+152.7% | $56,033+34.1% | $80,935-7.2% |
| Participation rate | 4.9% | 41.7%-36.8pp | 52.5%-47.6pp | 67.7%-62.8pp |
| Annual return | 15.43% | 35.28%-19.8pp | 1711.38%-1695.9pp | 35.66%-20.2pp |
| Employer contribution / active EE | $293 | $671-56.4% | $1,041-71.9% | $2,757-89.4% |
| Participant deferral / active EE | $2,351 | $1,228+91.4% | $1,954+20.3% | $4,299-45.3% |
| Admin fee / account holder | $2,903 | $2,434+19.3% | $2,827+2.7% | $6,924-58.1% |