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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 | $113,471 | $34,316+230.7% | $74,723+51.9% | $72,976+55.5% |
| Participation rate | 40.0% | 42.4%-2.4pp | 54.5%-14.5pp | 69.5%-29.5pp |
| Annual return | 25.79% | 26.58%-0.8pp | 753.18%-727.4pp | 81.02%-55.2pp |
| Employer contribution / active EE | $2,001 | $692+189.3% | $1,084+84.6% | $2,440-18.0% |
| Participant deferral / active EE | $4,213 | $1,272+231.3% | $1,962+114.8% | $3,608+16.8% |
| Admin fee / account holder | $1,579 | $2,125-25.7% | $3,335-52.7% | $5,124-69.2% |