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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 | $239,493 | $34,316+597.9% | $74,722+220.5% | $72,975+228.2% |
| Participation rate | 44.8% | 42.4%+2.4pp | 54.5%-9.6pp | 69.5%-24.7pp |
| Annual return | 21.53% | 26.58%-5.1pp | 753.11%-731.6pp | 81.01%-59.5pp |
| Employer contribution / active EE | $1,514 | $692+118.9% | $1,084+39.7% | $2,440-37.9% |
| Participant deferral / active EE | $4,829 | $1,272+279.8% | $1,963+146.0% | $3,608+33.9% |
| Admin fee / account holder | $951 | $2,125-55.2% | $3,335-71.5% | $5,124-81.4% |