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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 | $94,374 | $53,128+77.6% | $86,582+9.0% | $70,126+34.6% |
| Participation rate | 40.0% | 65.3%-25.3pp | 73.5%-33.5pp | 69.5%-29.5pp |
| Annual return | 16.47% | 27.66%-11.2pp | 965.08%-948.6pp | 73.15%-56.7pp |
| Employer contribution / active EE | $610 | $2,068-70.5% | $2,839-78.5% | $2,343-74.0% |
| Participant deferral / active EE | $1,405 | $2,695-47.9% | $3,609-61.1% | $3,332-57.8% |
| Admin fee / account holder | $609 | $3,584-83.0% | $4,904-87.6% | $4,645-86.9% |