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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 | $77,458 | $55,423+39.8% | $155,602-50.2% | $74,400+4.1% |
| Participation rate | 13.8% | 61.9%-48.1pp | 78.2%-64.4pp | 67.2%-53.4pp |
| Annual return | 14.53% | 269.07%-254.5pp | 64.81%-50.3pp | 1367.51%-1353.0pp |
| Employer contribution / active EE | $421 | $2,266-81.4% | $4,675-91.0% | $2,624-84.0% |
| Participant deferral / active EE | $1,100 | $2,835-61.2% | $5,629-80.5% | $4,348-74.7% |
| Admin fee / account holder | $3,136 | $1,744+79.8% | $15,923-80.3% | $1,944+61.3% |