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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 | $163,228 | $44,984+262.9% | $85,009+92.0% | $74,546+119.0% |
| Participation rate | 18.6% | 49.4%-30.8pp | 67.5%-48.9pp | 67.2%-48.6pp |
| Annual return | 12.69% | 26.25%-13.6pp | 66.47%-53.8pp | 1366.03%-1353.3pp |
| Employer contribution / active EE | $591 | $1,458-59.4% | $2,728-78.3% | $2,624-77.5% |
| Participant deferral / active EE | $1,365 | $2,733-50.0% | $4,522-69.8% | $4,347-68.6% |
| Admin fee / account holder | $7,137 | $2,208+223.2% | $6,153+16.0% | $1,944+267.2% |