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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 | $38,460+237.7% | $97,032+33.9% | $65,191+99.3% |
| Participation rate | 7.8% | 23.6%-15.9pp | 71.6%-63.8pp | 63.0%-55.2pp |
| Annual return | 15.65% | 78.38%-62.7pp | 35.38%-19.7pp | 51.24%-35.6pp |
| Employer contribution / active EE | $318 | $532-40.3% | $2,629-87.9% | $2,400-86.8% |
| Participant deferral / active EE | $907 | $957-5.2% | $4,672-80.6% | $2,671-66.0% |
| Admin fee / account holder | $1,966 | $2,414-18.5% | $9,418-79.1% | $907+116.8% |