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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 | $45,126+261.7% | $85,187+91.6% | $74,459+119.2% |
| Participation rate | 18.6% | 49.4%-30.8pp | 67.5%-48.9pp | 67.2%-48.6pp |
| Annual return | 12.69% | 26.30%-13.6pp | 66.67%-54.0pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $591 | $1,460-59.5% | $2,732-78.4% | $2,626-77.5% |
| Participant deferral / active EE | $1,365 | $2,738-50.1% | $4,525-69.8% | $4,350-68.6% |
| Admin fee / account holder | $7,137 | $2,212+222.7% | $6,162+15.8% | $1,945+267.0% |