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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 | $91,083 | $48,053+89.5% | $84,628+7.6% | $72,975+24.8% |
| Participation rate | 16.1% | 57.6%-41.4pp | 68.2%-52.1pp | 69.5%-53.4pp |
| Annual return | 21.55% | 37.39%-15.8pp | 258.80%-237.3pp | 81.01%-59.5pp |
| Employer contribution / active EE | $441 | $1,602-72.5% | $2,653-83.4% | $2,440-81.9% |
| Participant deferral / active EE | $1,376 | $2,681-48.7% | $3,900-64.7% | $3,608-61.9% |
| Admin fee / account holder | $1,010 | $3,395-70.2% | $4,914-79.4% | $5,124-80.3% |