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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 | $56,431+130.2% | $130,788-0.7% | $87,485+48.5% |
| Participation rate | 40.0% | 58.9%-18.9pp | 70.1%-30.1pp | 68.9%-28.9pp |
| Annual return | 13.62% | 91.27%-77.6pp | 386.44%-372.8pp | 26.06%-12.4pp |
| Employer contribution / active EE | $586 | $1,549-62.2% | $3,558-83.5% | $2,596-77.4% |
| Participant deferral / active EE | $2,487 | $2,749-9.6% | $4,137-39.9% | $4,274-41.8% |
| Admin fee / account holder | $13,916 | $4,433+213.9% | $6,673+108.5% | $7,775+79.0% |