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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 | $89,958 | $76,522+17.6% | $56,033+60.5% | $145,884-38.3% |
| Participation rate | 21.1% | 63.2%-42.2pp | 52.5%-31.4pp | 80.3%-59.3pp |
| Annual return | 14.51% | 3014.28%-2999.8pp | 1711.38%-1696.9pp | 551.85%-537.3pp |
| Employer contribution / active EE | $558 | $1,382-59.6% | $1,041-46.4% | $4,662-88.0% |
| Participant deferral / active EE | $3,192 | $2,624+21.7% | $1,954+63.4% | $6,690-52.3% |
| Admin fee / account holder | $3,845 | $3,328+15.5% | $2,827+36.0% | $13,392-71.3% |