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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 | $72,422 | $29,319+147.0% | $52,425+38.1% | $82,448-12.2% |
| Participation rate | 30.0% | 46.9%-16.9pp | 55.6%-25.6pp | 68.1%-38.1pp |
| Annual return | 16.63% | 535.20%-518.6pp | 302.12%-285.5pp | 41.64%-25.0pp |
| Employer contribution / active EE | $330 | $586-43.7% | $914-63.9% | $2,551-87.0% |
| Participant deferral / active EE | $5,391 | $1,171+360.3% | $1,790+201.1% | $4,139+30.2% |
| Admin fee / account holder | $1,649 | $1,962-16.0% | $2,495-33.9% | $7,234-77.2% |