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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 | $145,305 | $58,241+149.5% | $81,780+77.7% | $80,911+79.6% |
| Participation rate | 14.3% | 63.4%-49.2pp | 72.4%-58.1pp | 67.6%-53.4pp |
| Annual return | 14.44% | 41.73%-27.3pp | 776.27%-761.8pp | 35.63%-21.2pp |
| Employer contribution / active EE | $711 | $2,343-69.6% | $2,914-75.6% | $2,756-74.2% |
| Participant deferral / active EE | $1,769 | $3,283-46.1% | $4,321-59.0% | $4,297-58.8% |
| Admin fee / account holder | $496 | $4,973-90.0% | $7,384-93.3% | $6,935-92.9% |