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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 | $81,962 | $67,823+20.8% | $52,425+56.3% | $137,256-40.3% |
| Participation rate | 9.5% | 63.9%-54.4pp | 55.6%-46.1pp | 80.0%-70.4pp |
| Annual return | 13.63% | 219.11%-205.5pp | 302.12%-288.5pp | 220.34%-206.7pp |
| Employer contribution / active EE | $187 | $1,163-83.9% | $914-79.6% | $4,156-95.5% |
| Participant deferral / active EE | $800 | $2,288-65.0% | $1,790-55.3% | $6,407-87.5% |
| Admin fee / account holder | $439 | $2,844-84.6% | $2,495-82.4% | $12,270-96.4% |