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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 | $71,236 | $29,733+139.6% | $56,025+27.1% | $80,959-12.0% |
| Participation rate | 19.4% | 41.7%-22.4pp | 52.5%-33.2pp | 67.7%-48.3pp |
| Annual return | 15.07% | 35.28%-20.2pp | 1712.69%-1697.6pp | 35.67%-20.6pp |
| Employer contribution / active EE | $365 | $672-45.7% | $1,042-65.0% | $2,757-86.8% |
| Participant deferral / active EE | $1,565 | $1,229+27.3% | $1,955-20.0% | $4,300-63.6% |
| Admin fee / account holder | $1,353 | $2,434-44.4% | $2,828-52.2% | $6,925-80.5% |