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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 | $28,624+241.4% | $53,647+82.2% | $82,637+18.3% |
| Participation rate | 18.9% | 47.3%-28.4pp | 56.3%-37.4pp | 68.1%-49.2pp |
| Annual return | 168.74% | 664.98%-496.2pp | 358.33%-189.6pp | 53.51%+115.2pp |
| Employer contribution / active EE | $553 | $637-13.1% | $962-42.5% | $2,552-78.3% |
| Participant deferral / active EE | $1,648 | $1,196+37.8% | $1,813-9.1% | $4,126-60.1% |
| Admin fee / account holder | $1,329 | $2,022-34.3% | $2,460-46.0% | $7,339-81.9% |