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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 | $52,306 | $30,732+70.2% | $59,496-12.1% | $59,633-12.3% |
| Participation rate | 65.1% | 43.2%+21.9pp | 54.6%+10.6pp | 68.7%-3.6pp |
| Annual return | 0.03% | 4.47%-4.4pp | 182.05%-182.0pp | 2041.45%-2041.4pp |
| Employer contribution / active EE | $757 | $631+20.0% | $1,153-34.3% | $2,203-65.6% |
| Participant deferral / active EE | $1,096 | $1,183-7.3% | $1,829-40.1% | $3,192-65.7% |
| Admin fee / account holder | $2,287 | $2,136+7.0% | $2,232+2.4% | $4,297-46.8% |