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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 | $104,754 | $68,097+53.8% | $62,929+66.5% | $137,256-23.7% |
| Participation rate | 30.8% | 77.4%-46.7pp | 73.1%-42.3pp | 80.0%-49.2pp |
| Annual return | 16.30% | 1859.11%-1842.8pp | 1063.93%-1047.6pp | 220.34%-204.0pp |
| Employer contribution / active EE | $514 | $2,811-81.7% | $2,505-79.5% | $4,156-87.6% |
| Participant deferral / active EE | $1,961 | $4,553-56.9% | $3,888-49.6% | $6,407-69.4% |
| Admin fee / account holder | $5,423 | $6,521-16.8% | $5,065+7.1% | $12,270-55.8% |