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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 | $99,231 | $58,311+70.2% | $81,882+21.2% | $80,959+22.6% |
| Participation rate | 29.3% | 63.5%-34.2pp | 72.4%-43.1pp | 67.7%-38.4pp |
| Annual return | 14.43% | 41.85%-27.4pp | 779.47%-765.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $504 | $2,347-78.5% | $2,916-82.7% | $2,757-81.7% |
| Participant deferral / active EE | $1,829 | $3,287-44.3% | $4,323-57.7% | $4,300-57.5% |
| Admin fee / account holder | $4,636 | $4,752-2.4% | $7,360-37.0% | $6,925-33.1% |