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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 | $97,727 | $29,319+233.3% | $52,425+86.4% | $82,448+18.5% |
| Participation rate | 18.9% | 46.9%-28.0pp | 55.6%-36.8pp | 68.1%-49.2pp |
| Annual return | 168.74% | 535.20%-366.5pp | 302.12%-133.4pp | 41.64%+127.1pp |
| Employer contribution / active EE | $553 | $586-5.6% | $914-39.5% | $2,551-78.3% |
| Participant deferral / active EE | $1,648 | $1,171+40.7% | $1,790-8.0% | $4,139-60.2% |
| Admin fee / account holder | $1,329 | $1,962-32.3% | $2,495-46.7% | $7,234-81.6% |