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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 | $193,032 | $67,823+184.6% | $52,425+268.2% | $137,256+40.6% |
| Participation rate | 15.4% | 63.9%-48.5pp | 55.6%-40.2pp | 80.0%-64.6pp |
| Annual return | 14.88% | 219.11%-204.2pp | 302.12%-287.2pp | 220.34%-205.5pp |
| Employer contribution / active EE | $466 | $1,163-59.9% | $914-49.0% | $4,156-88.8% |
| Participant deferral / active EE | $2,585 | $2,288+13.0% | $1,790+44.4% | $6,407-59.7% |
| Admin fee / account holder | $92,359 | $2,844+3147.3% | $2,495+3601.9% | $12,270+652.7% |