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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 | $128,801 | $88,203+46.0% | $165,100-22.0% | $74,478+72.9% |
| Participation rate | 60.6% | 73.1%-12.6pp | 78.6%-18.0pp | 67.2%-6.6pp |
| Annual return | 15.17% | 17.13%-2.0pp | 70.21%-55.0pp | 1370.56%-1355.4pp |
| Employer contribution / active EE | $951 | $2,601-63.4% | $4,348-78.1% | $2,626-63.8% |
| Participant deferral / active EE | $3,927 | $4,505-12.8% | $6,035-34.9% | $4,350-9.7% |
| Admin fee / account holder | $20,956 | $2,235+837.7% | $12,696+65.1% | $1,946+977.0% |