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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 | $128,400 | $29,319+337.9% | $52,425+144.9% | $82,448+55.7% |
| Participation rate | 25.4% | 46.9%-21.5pp | 55.6%-30.2pp | 68.1%-42.7pp |
| Annual return | 17.13% | 535.20%-518.1pp | 302.12%-285.0pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,260 | $586+114.8% | $914+37.8% | $2,551-50.6% |
| Participant deferral / active EE | $2,307 | $1,171+97.0% | $1,790+28.9% | $4,139-44.3% |
| Admin fee / account holder | $7,445 | $1,962+279.4% | $2,495+198.4% | $7,234+2.9% |