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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 | $148,668 | $65,555+126.8% | $86,216+72.4% | $75,173+97.8% |
| Participation rate | 18.8% | 60.5%-41.7pp | 69.0%-50.2pp | 67.2%-48.5pp |
| Annual return | 23.64% | 46.07%-22.4pp | 1169.42%-1145.8pp | 160.72%-137.1pp |
| Employer contribution / active EE | $374 | $1,553-75.9% | $2,382-84.3% | $2,671-86.0% |
| Participant deferral / active EE | $2,349 | $3,023-22.3% | $3,986-41.1% | $4,126-43.1% |
| Admin fee / account holder | $7,393 | $5,469+35.2% | $6,853+7.9% | $5,651+30.8% |