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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 | $74,132 | $67,823+9.3% | $52,425+41.4% | $137,256-46.0% |
| Participation rate | 27.3% | 63.9%-36.6pp | 55.6%-28.4pp | 80.0%-52.7pp |
| Annual return | 16.48% | 219.11%-202.6pp | 302.12%-285.6pp | 220.34%-203.9pp |
| Employer contribution / active EE | $755 | $1,163-35.0% | $914-17.4% | $4,156-81.8% |
| Participant deferral / active EE | $3,460 | $2,288+51.2% | $1,790+93.3% | $6,407-46.0% |
| Admin fee / account holder | $509 | $2,844-82.1% | $2,495-79.6% | $12,270-95.9% |