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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 | $85,734 | $29,716+188.5% | $56,077+52.9% | $80,925+5.9% |
| Participation rate | 13.5% | 41.7%-28.2pp | 52.5%-39.0pp | 67.7%-54.1pp |
| Annual return | 11.41% | 35.30%-23.9pp | 1709.28%-1697.9pp | 35.65%-24.2pp |
| Employer contribution / active EE | $257 | $671-61.7% | $1,040-75.3% | $2,756-90.7% |
| Participant deferral / active EE | $1,365 | $1,228+11.1% | $1,954-30.1% | $4,299-68.2% |
| Admin fee / account holder | $1,388 | $2,432-42.9% | $2,825-50.9% | $6,940-80.0% |