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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 | $80,764 | $28,624+182.2% | $53,647+50.5% | $82,637-2.3% |
| Participation rate | 26.7% | 47.3%-20.6pp | 56.3%-29.6pp | 68.1%-41.4pp |
| Annual return | 24.21% | 664.98%-640.8pp | 358.33%-334.1pp | 53.51%-29.3pp |
| Employer contribution / active EE | $497 | $637-22.0% | $962-48.4% | $2,552-80.5% |
| Participant deferral / active EE | $1,969 | $1,196+64.6% | $1,813+8.6% | $4,126-52.3% |
| Admin fee / account holder | $3,770 | $2,022+86.5% | $2,460+53.3% | $7,339-48.6% |