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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 | $148,752 | $67,823+119.3% | $52,425+183.7% | $137,256+8.4% |
| Participation rate | 16.7% | 63.9%-47.2pp | 55.6%-39.0pp | 80.0%-63.3pp |
| Annual return | 12.22% | 219.11%-206.9pp | 302.12%-289.9pp | 220.34%-208.1pp |
| Employer contribution / active EE | $593 | $1,163-49.0% | $914-35.1% | $4,156-85.7% |
| Participant deferral / active EE | $2,263 | $2,288-1.1% | $1,790+26.4% | $6,407-64.7% |
| Admin fee / account holder | $16,184 | $2,844+469.0% | $2,495+548.7% | $12,270+31.9% |