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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 | $113,714 | $29,507+285.4% | $56,025+103.0% | $77,762+46.2% |
| Participation rate | 21.5% | 32.7%-11.2pp | 52.5%-31.0pp | 70.6%-49.1pp |
| Annual return | 17.68% | 18.90%-1.2pp | 1712.69%-1695.0pp | 31.27%-13.6pp |
| Employer contribution / active EE | $487 | $570-14.4% | $1,042-53.2% | $2,728-82.1% |
| Participant deferral / active EE | $1,215 | $1,062+14.4% | $1,955-37.9% | $4,651-73.9% |
| Admin fee / account holder | $3,492 | $1,041+235.5% | $2,828+23.4% | $433+706.6% |