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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 | $81,425 | $27,943+191.4% | $58,507+39.2% | $75,177+8.3% |
| Participation rate | 28.8% | 38.8%-10.0pp | 50.9%-22.0pp | 67.2%-38.4pp |
| Annual return | 15.61% | 44.22%-28.6pp | 4252.32%-4236.7pp | 160.75%-145.1pp |
| Employer contribution / active EE | $1,127 | $670+68.3% | $1,053+7.0% | $2,671-57.8% |
| Participant deferral / active EE | $2,745 | $1,202+128.4% | $1,922+42.8% | $4,126-33.5% |
| Admin fee / account holder | $587 | $1,727-66.0% | $2,486-76.4% | $5,651-89.6% |