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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 | $99,282 | $65,555+51.4% | $86,216+15.2% | $75,173+32.1% |
| Participation rate | 40.9% | 60.5%-19.6pp | 69.0%-28.1pp | 67.2%-26.3pp |
| Annual return | 20.45% | 46.07%-25.6pp | 1169.42%-1149.0pp | 160.72%-140.3pp |
| Employer contribution / active EE | $737 | $1,553-52.6% | $2,382-69.1% | $2,671-72.4% |
| Participant deferral / active EE | $2,526 | $3,023-16.5% | $3,986-36.6% | $4,126-38.8% |
| Admin fee / account holder | $363 | $5,469-93.4% | $6,853-94.7% | $5,651-93.6% |