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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 | $148,490 | $67,823+118.9% | $52,425+183.2% | $137,256+8.2% |
| Participation rate | 17.6% | 63.9%-46.3pp | 55.6%-38.0pp | 80.0%-62.3pp |
| Annual return | 13.22% | 219.11%-205.9pp | 302.12%-288.9pp | 220.34%-207.1pp |
| Employer contribution / active EE | $460 | $1,163-60.5% | $914-49.7% | $4,156-88.9% |
| Participant deferral / active EE | $4,291 | $2,288+87.6% | $1,790+139.7% | $6,407-33.0% |
| Admin fee / account holder | $1,767 | $2,844-37.9% | $2,495-29.2% | $12,270-85.6% |