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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 | $88,949 | $58,275+52.6% | $81,844+8.7% | $80,935+9.9% |
| Participation rate | 44.8% | 63.5%-18.6pp | 72.4%-27.6pp | 67.7%-22.8pp |
| Annual return | 19.89% | 41.82%-21.9pp | 778.87%-759.0pp | 35.66%-15.8pp |
| Employer contribution / active EE | $297 | $2,346-87.3% | $2,916-89.8% | $2,757-89.2% |
| Participant deferral / active EE | $1,211 | $3,285-63.1% | $4,323-72.0% | $4,299-71.8% |
| Admin fee / account holder | $3,184 | $4,749-32.9% | $7,355-56.7% | $6,924-54.0% |