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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 | $92,887 | $29,051+219.7% | $52,425+77.2% | $67,986+36.6% |
| Participation rate | 45.8% | 30.4%+15.4pp | 55.6%-9.8pp | 57.2%-11.4pp |
| Annual return | 14.25% | 24.00%-9.7pp | 302.12%-287.9pp | 31.67%-17.4pp |
| Employer contribution / active EE | $850 | $412+106.3% | $914-7.1% | $2,019-57.9% |
| Participant deferral / active EE | $1,699 | $873+94.6% | $1,790-5.1% | $3,358-49.4% |
| Admin fee / account holder | $2,458 | $2,113+16.4% | $2,495-1.5% | $3,203-23.3% |