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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 | $79,323 | $29,319+170.5% | $52,425+51.3% | $82,448-3.8% |
| Participation rate | 13.1% | 46.9%-33.8pp | 55.6%-42.5pp | 68.1%-55.0pp |
| Annual return | 20.94% | 535.20%-514.3pp | 302.12%-281.2pp | 41.64%-20.7pp |
| Employer contribution / active EE | $372 | $586-36.6% | $914-59.4% | $2,551-85.4% |
| Participant deferral / active EE | $1,093 | $1,171-6.7% | $1,790-39.0% | $4,139-73.6% |
| Admin fee / account holder | $16,550 | $1,962+743.5% | $2,495+563.4% | $7,234+128.8% |