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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 | $103,832 | $29,319+254.1% | $52,425+98.1% | $82,448+25.9% |
| Participation rate | 13.5% | 46.9%-33.3pp | 55.6%-42.1pp | 68.1%-54.6pp |
| Annual return | 15.13% | 535.20%-520.1pp | 302.12%-287.0pp | 41.64%-26.5pp |
| Employer contribution / active EE | $127 | $586-78.4% | $914-86.1% | $2,551-95.0% |
| Participant deferral / active EE | $453 | $1,171-61.3% | $1,790-74.7% | $4,139-89.0% |
| Admin fee / account holder | $9,582 | $1,962+388.3% | $2,495+284.1% | $7,234+32.4% |