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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 | $99,677 | $57,330+73.9% | $86,656+15.0% | $75,177+32.6% |
| Participation rate | 30.8% | 63.2%-32.4pp | 71.7%-40.9pp | 67.2%-36.4pp |
| Annual return | 14.30% | 2675.40%-2661.1pp | 593.09%-578.8pp | 160.75%-146.4pp |
| Employer contribution / active EE | $747 | $2,316-67.8% | $3,025-75.3% | $2,671-72.0% |
| Participant deferral / active EE | $2,408 | $3,320-27.5% | $4,439-45.8% | $4,126-41.6% |
| Admin fee / account holder | $1,978 | $4,115-51.9% | $5,619-64.8% | $5,651-65.0% |