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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 | $103,237 | $51,638+99.9% | $68,368+51.0% | $82,448+25.2% |
| Participation rate | 44.1% | 63.6%-19.5pp | 73.8%-29.6pp | 68.1%-24.0pp |
| Annual return | 15.76% | 37.53%-21.8pp | 292.57%-276.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,005 | $2,047-50.9% | $2,649-62.0% | $2,551-60.6% |
| Participant deferral / active EE | $979 | $2,914-66.4% | $4,123-76.3% | $4,139-76.4% |
| Admin fee / account holder | $1,594 | $4,643-65.7% | $5,150-69.0% | $7,234-78.0% |