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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 | $197,239 | $29,733+563.4% | $56,025+252.1% | $80,959+143.6% |
| Participation rate | 40.0% | 41.7%-1.7pp | 52.5%-12.5pp | 67.7%-27.7pp |
| Annual return | 14.91% | 35.28%-20.4pp | 1712.69%-1697.8pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,011 | $672+50.5% | $1,042-3.0% | $2,757-63.3% |
| Participant deferral / active EE | $1,423 | $1,229+15.8% | $1,955-27.2% | $4,300-66.9% |
| Admin fee / account holder | $2,288 | $2,434-6.0% | $2,828-19.1% | $6,925-67.0% |