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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 | $75,885 | $29,525+157.0% | $56,033+35.4% | $77,736-2.4% |
| Participation rate | 20.2% | 32.7%-12.5pp | 52.5%-32.3pp | 70.6%-50.4pp |
| Annual return | 12.43% | 18.90%-6.5pp | 1711.38%-1698.9pp | 31.26%-18.8pp |
| Employer contribution / active EE | $376 | $569-34.0% | $1,041-63.9% | $2,728-86.2% |
| Participant deferral / active EE | $836 | $1,062-21.3% | $1,954-57.2% | $4,651-82.0% |
| Admin fee / account holder | $2,022 | $1,040+94.4% | $2,827-28.5% | $433+366.6% |