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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 | $62,461 | $30,732+103.2% | $59,496+5.0% | $59,633+4.7% |
| Participation rate | 32.5% | 43.2%-10.7pp | 54.6%-22.0pp | 68.7%-36.1pp |
| Annual return | 0.54% | 4.47%-3.9pp | 182.05%-181.5pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $1,266 | $631+100.8% | $1,153+9.8% | $2,203-42.5% |
| Participant deferral / active EE | $1,750 | $1,183+47.9% | $1,829-4.3% | $3,192-45.2% |
| Admin fee / account holder | $899 | $2,136-57.9% | $2,232-59.7% | $4,297-79.1% |