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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 | $84,994 | $53,063+60.2% | $124,206-31.6% | $82,637+2.9% |
| Participation rate | 10.3% | 58.4%-48.2pp | 69.6%-59.3pp | 68.1%-57.8pp |
| Annual return | 17.57% | 68.87%-51.3pp | 515.27%-497.7pp | 53.51%-35.9pp |
| Employer contribution / active EE | $409 | $1,530-73.3% | $3,540-88.5% | $2,552-84.0% |
| Participant deferral / active EE | $1,273 | $2,644-51.8% | $3,968-67.9% | $4,126-69.1% |
| Admin fee / account holder | $1,308 | $4,281-69.5% | $5,929-77.9% | $7,339-82.2% |