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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 | $78,794 | $29,319+168.7% | $52,425+50.3% | $82,448-4.4% |
| Participation rate | 9.7% | 46.9%-37.2pp | 55.6%-45.9pp | 68.1%-58.4pp |
| Annual return | 19.18% | 535.20%-516.0pp | 302.12%-282.9pp | 41.64%-22.5pp |
| Employer contribution / active EE | $278 | $586-52.5% | $914-69.5% | $2,551-89.1% |
| Participant deferral / active EE | $440 | $1,171-62.5% | $1,790-75.4% | $4,139-89.4% |
| Admin fee / account holder | $1,483 | $1,962-24.4% | $2,495-40.6% | $7,234-79.5% |