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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 | $94,118 | $30,423+209.4% | $56,025+68.0% | $74,478+26.4% |
| Participation rate | 12.6% | 32.9%-20.2pp | 52.5%-39.9pp | 67.2%-54.6pp |
| Annual return | 13.22% | 24.97%-11.7pp | 1712.69%-1699.5pp | 1370.56%-1357.3pp |
| Employer contribution / active EE | $341 | $610-44.2% | $1,042-67.3% | $2,626-87.0% |
| Participant deferral / active EE | $877 | $1,176-25.5% | $1,955-55.1% | $4,350-79.8% |
| Admin fee / account holder | $7,634 | $2,363+223.1% | $2,828+169.9% | $1,946+292.3% |