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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 | $113,575 | $52,353+116.9% | $120,225-5.5% | $82,448+37.8% |
| Participation rate | 27.5% | 58.3%-30.8pp | 69.6%-42.1pp | 68.1%-40.6pp |
| Annual return | 17.00% | 61.85%-44.9pp | 439.23%-422.2pp | 41.64%-24.6pp |
| Employer contribution / active EE | $825 | $1,510-45.4% | $3,475-76.3% | $2,551-67.7% |
| Participant deferral / active EE | $2,108 | $2,627-19.7% | $3,999-47.3% | $4,139-49.1% |
| Admin fee / account holder | $990 | $4,363-77.3% | $5,696-82.6% | $7,234-86.3% |