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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 | $129,920 | $52,353+148.2% | $120,225+8.1% | $82,448+57.6% |
| Participation rate | 40.0% | 58.3%-18.3pp | 69.6%-29.6pp | 68.1%-28.1pp |
| Annual return | 13.62% | 61.85%-48.2pp | 439.23%-425.6pp | 41.64%-28.0pp |
| Employer contribution / active EE | $586 | $1,510-61.2% | $3,475-83.1% | $2,551-77.0% |
| Participant deferral / active EE | $2,487 | $2,627-5.3% | $3,999-37.8% | $4,139-39.9% |
| Admin fee / account holder | $13,916 | $4,363+219.0% | $5,696+144.3% | $7,234+92.4% |