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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 | $108,608 | $27,936+288.8% | $58,561+85.5% | $75,173+44.5% |
| Participation rate | 16.7% | 38.8%-22.2pp | 50.9%-34.2pp | 67.2%-50.5pp |
| Annual return | 17.76% | 44.21%-26.5pp | 4251.33%-4233.6pp | 160.72%-143.0pp |
| Employer contribution / active EE | $502 | $670-25.1% | $1,053-52.4% | $2,671-81.2% |
| Participant deferral / active EE | $1,416 | $1,202+17.8% | $1,923-26.4% | $4,126-65.7% |
| Admin fee / account holder | $5,000 | $1,727+189.5% | $2,520+98.4% | $5,651-11.5% |