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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 | $88,042 | $29,319+200.3% | $52,425+67.9% | $82,448+6.8% |
| Participation rate | 20.0% | 46.9%-26.9pp | 55.6%-35.6pp | 68.1%-48.1pp |
| Annual return | 18.31% | 535.20%-516.9pp | 302.12%-283.8pp | 41.64%-23.3pp |
| Employer contribution / active EE | $354 | $586-39.7% | $914-61.3% | $2,551-86.1% |
| Participant deferral / active EE | $1,649 | $1,171+40.8% | $1,790-7.9% | $4,139-60.2% |
| Admin fee / account holder | $6,334 | $1,962+222.8% | $2,495+153.9% | $7,234-12.4% |