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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 | $86,818 | $29,733+192.0% | $56,025+55.0% | $80,959+7.2% |
| Participation rate | 25.3% | 41.7%-16.4pp | 52.5%-27.2pp | 67.7%-42.3pp |
| Annual return | 16.42% | 35.28%-18.9pp | 1712.69%-1696.3pp | 35.67%-19.2pp |
| Employer contribution / active EE | $1,395 | $672+107.7% | $1,042+34.0% | $2,757-49.4% |
| Participant deferral / active EE | $1,929 | $1,229+56.9% | $1,955-1.3% | $4,300-55.2% |
| Admin fee / account holder | $6,839 | $2,434+181.0% | $2,828+141.8% | $6,925-1.2% |