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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 | $129,897 | $47,974+170.8% | $129,031+0.7% | $69,255+87.6% |
| Participation rate | 7.8% | 29.2%-21.5pp | 73.4%-65.6pp | 69.0%-61.3pp |
| Annual return | 15.65% | 116.92%-101.3pp | 34.67%-19.0pp | 26.73%-11.1pp |
| Employer contribution / active EE | $318 | $755-57.9% | $3,226-90.2% | $2,645-88.0% |
| Participant deferral / active EE | $907 | $1,143-20.6% | $5,217-82.6% | $2,890-68.6% |
| Admin fee / account holder | $1,966 | $2,691-26.9% | $13,208-85.1% | $733+168.3% |