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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 | $87,046 | $29,319+196.9% | $52,425+66.0% | $82,448+5.6% |
| Participation rate | 15.4% | 46.9%-31.5pp | 55.6%-40.2pp | 68.1%-52.7pp |
| Annual return | 20.61% | 535.20%-514.6pp | 302.12%-281.5pp | 41.64%-21.0pp |
| Employer contribution / active EE | $324 | $586-44.7% | $914-64.5% | $2,551-87.3% |
| Participant deferral / active EE | $2,584 | $1,171+120.6% | $1,790+44.3% | $4,139-37.6% |
| Admin fee / account holder | $439 | $1,962-77.6% | $2,495-82.4% | $7,234-93.9% |