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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 | $36,653 | $29,319+25.0% | $52,425-30.1% | $82,448-55.5% |
| Participation rate | 25.9% | 46.9%-20.9pp | 55.6%-29.7pp | 68.1%-42.1pp |
| Annual return | 14.50% | 535.20%-520.7pp | 302.12%-287.6pp | 41.64%-27.1pp |
| Employer contribution / active EE | $121 | $586-79.4% | $914-86.8% | $2,551-95.3% |
| Participant deferral / active EE | $1,047 | $1,171-10.6% | $1,790-41.5% | $4,139-74.7% |
| Admin fee / account holder | $19,047 | $1,962+870.7% | $2,495+663.4% | $7,234+163.3% |