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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 | $133,600 | $29,319+355.7% | $52,425+154.8% | $82,448+62.0% |
| Participation rate | 19.2% | 46.9%-27.6pp | 55.6%-36.4pp | 68.1%-48.8pp |
| Annual return | 18.06% | 535.20%-517.1pp | 302.12%-284.1pp | 41.64%-23.6pp |
| Employer contribution / active EE | $620 | $586+5.7% | $914-32.2% | $2,551-75.7% |
| Participant deferral / active EE | $3,083 | $1,171+163.2% | $1,790+72.2% | $4,139-25.5% |
| Admin fee / account holder | $352 | $1,962-82.0% | $2,495-85.9% | $7,234-95.1% |