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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 | $139,757 | $67,823+106.1% | $52,425+166.6% | $137,256+1.8% |
| Participation rate | 27.3% | 63.9%-36.6pp | 55.6%-28.4pp | 80.0%-52.7pp |
| Annual return | 15.22% | 219.11%-203.9pp | 302.12%-286.9pp | 220.34%-205.1pp |
| Employer contribution / active EE | $490 | $1,163-57.9% | $914-46.4% | $4,156-88.2% |
| Participant deferral / active EE | $3,215 | $2,288+40.5% | $1,790+79.5% | $6,407-49.8% |
| Admin fee / account holder | $166,707 | $2,844+5761.3% | $2,495+6581.9% | $12,270+1258.6% |