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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 | $101,635 | $29,667+242.6% | $56,441+80.1% | $80,874+25.7% |
| Participation rate | 3.6% | 41.7%-38.0pp | 52.5%-48.9pp | 67.6%-64.0pp |
| Annual return | 11.49% | 35.22%-23.7pp | 1704.21%-1692.7pp | 35.62%-24.1pp |
| Employer contribution / active EE | $285 | $669-57.4% | $1,039-72.6% | $2,756-89.7% |
| Participant deferral / active EE | $447 | $1,227-63.5% | $1,953-77.1% | $4,297-89.6% |
| Admin fee / account holder | $867 | $2,429-64.3% | $2,829-69.4% | $6,935-87.5% |