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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 | $122,786 | $52,450+134.1% | $129,384-5.1% | $74,459+64.9% |
| Participation rate | 24.7% | 53.8%-29.2pp | 69.6%-44.9pp | 67.2%-42.5pp |
| Annual return | 19.60% | 15.65%+4.0pp | 9461.77%-9442.2pp | 1369.70%-1350.1pp |
| Employer contribution / active EE | $855 | $1,532-44.2% | $4,153-79.4% | $2,626-67.4% |
| Participant deferral / active EE | $1,939 | $2,797-30.7% | $4,166-53.5% | $4,350-55.4% |
| Admin fee / account holder | $12,781 | $2,636+384.9% | $7,686+66.3% | $1,945+557.2% |