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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 | $109,940 | $28,624+284.1% | $53,647+104.9% | $82,637+33.0% |
| Participation rate | 25.8% | 47.3%-21.5pp | 56.3%-30.5pp | 68.1%-42.2pp |
| Annual return | 76.44% | 664.98%-588.5pp | 358.33%-281.9pp | 53.51%+22.9pp |
| Employer contribution / active EE | $651 | $637+2.3% | $962-32.3% | $2,552-74.5% |
| Participant deferral / active EE | $2,506 | $1,196+109.5% | $1,813+38.2% | $4,126-39.3% |
| Admin fee / account holder | $631 | $2,022-68.8% | $2,460-74.3% | $7,339-91.4% |