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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 | $68,166 | $29,733+129.3% | $56,025+21.7% | $80,959-15.8% |
| Participation rate | 17.4% | 41.7%-24.3pp | 52.5%-35.1pp | 67.7%-50.3pp |
| Annual return | 14.18% | 35.28%-21.1pp | 1712.69%-1698.5pp | 35.67%-21.5pp |
| Employer contribution / active EE | $385 | $672-42.6% | $1,042-63.0% | $2,757-86.0% |
| Participant deferral / active EE | $1,088 | $1,229-11.5% | $1,955-44.3% | $4,300-74.7% |
| Admin fee / account holder | $417 | $2,434-82.9% | $2,828-85.3% | $6,925-94.0% |