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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 | $70,276 | $29,319+139.7% | $52,425+34.1% | $82,448-14.8% |
| Participation rate | 20.0% | 46.9%-26.9pp | 55.6%-35.6pp | 68.1%-48.1pp |
| Annual return | 15.61% | 535.20%-519.6pp | 302.12%-286.5pp | 41.64%-26.0pp |
| Employer contribution / active EE | $298 | $586-49.1% | $914-67.4% | $2,551-88.3% |
| Participant deferral / active EE | $1,115 | $1,171-4.8% | $1,790-37.7% | $4,139-73.1% |
| Admin fee / account holder | $7,389 | $1,962+276.6% | $2,495+196.2% | $7,234+2.1% |