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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 | $28,624+295.2% | $53,647+110.9% | $82,637+36.9% |
| Participation rate | 12.8% | 47.3%-34.5pp | 56.3%-43.5pp | 68.1%-55.2pp |
| Annual return | 21.31% | 664.98%-643.7pp | 358.33%-337.0pp | 53.51%-32.2pp |
| Employer contribution / active EE | $338 | $637-46.9% | $962-64.8% | $2,552-86.7% |
| Participant deferral / active EE | $1,359 | $1,196+13.6% | $1,813-25.1% | $4,126-67.1% |
| Admin fee / account holder | $9,683 | $2,022+378.9% | $2,460+293.6% | $7,339+31.9% |