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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 | $41,666 | $29,319+42.1% | $52,425-20.5% | $82,448-49.5% |
| Participation rate | 22.5% | 46.9%-24.4pp | 55.6%-33.1pp | 68.1%-45.6pp |
| Annual return | 14.47% | 535.20%-520.7pp | 302.12%-287.7pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,008 | $586+71.9% | $914+10.3% | $2,551-60.5% |
| Participant deferral / active EE | $2,234 | $1,171+90.7% | $1,790+24.8% | $4,139-46.0% |
| Admin fee / account holder | $16,646 | $1,962+748.4% | $2,495+567.2% | $7,234+130.1% |