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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 | $51,342 | $34,316+49.6% | $74,723-31.3% | $72,976-29.6% |
| Participation rate | 38.7% | 42.4%-3.7pp | 54.5%-15.8pp | 69.5%-30.8pp |
| Annual return | 17.99% | 26.58%-8.6pp | 753.18%-735.2pp | 81.02%-63.0pp |
| Employer contribution / active EE | $839 | $692+21.2% | $1,084-22.7% | $2,440-65.6% |
| Participant deferral / active EE | $2,230 | $1,272+75.3% | $1,962+13.7% | $3,608-38.2% |
| Admin fee / account holder | $19,204 | $2,125+803.8% | $3,335+475.9% | $5,124+274.8% |