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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 | $76,179 | $29,319+159.8% | $52,425+45.3% | $82,448-7.6% |
| Participation rate | 13.8% | 46.9%-33.1pp | 55.6%-41.8pp | 68.1%-54.3pp |
| Annual return | 19.97% | 535.20%-515.2pp | 302.12%-282.1pp | 41.64%-21.7pp |
| Employer contribution / active EE | $316 | $586-46.1% | $914-65.4% | $2,551-87.6% |
| Participant deferral / active EE | $1,271 | $1,171+8.5% | $1,790-29.0% | $4,139-69.3% |
| Admin fee / account holder | $444 | $1,962-77.4% | $2,495-82.2% | $7,234-93.9% |