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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 | $85,387 | $29,319+191.2% | $52,425+62.9% | $82,448+3.6% |
| Participation rate | 42.3% | 46.9%-4.5pp | 55.6%-13.3pp | 68.1%-25.8pp |
| Annual return | 15.78% | 535.20%-519.4pp | 302.12%-286.3pp | 41.64%-25.9pp |
| Employer contribution / active EE | $956 | $586+63.0% | $914+4.5% | $2,551-62.5% |
| Participant deferral / active EE | $2,817 | $1,171+140.5% | $1,790+57.4% | $4,139-31.9% |
| Admin fee / account holder | $1,225 | $1,962-37.6% | $2,495-50.9% | $7,234-83.1% |