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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 | $113,131 | $29,319+285.9% | $52,425+115.8% | $82,448+37.2% |
| Participation rate | 12.8% | 46.9%-34.0pp | 55.6%-42.8pp | 68.1%-55.2pp |
| Annual return | 21.31% | 535.20%-513.9pp | 302.12%-280.8pp | 41.64%-20.3pp |
| Employer contribution / active EE | $338 | $586-42.3% | $914-63.0% | $2,551-86.7% |
| Participant deferral / active EE | $1,359 | $1,171+16.0% | $1,790-24.1% | $4,139-67.2% |
| Admin fee / account holder | $9,683 | $1,962+393.5% | $2,495+288.1% | $7,234+33.8% |