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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 | $100,229 | $29,736+237.1% | $56,033+78.9% | $80,935+23.8% |
| Participation rate | 64.0% | 41.7%+22.3pp | 52.5%+11.5pp | 67.7%-3.7pp |
| Annual return | 16.11% | 35.28%-19.2pp | 1711.38%-1695.3pp | 35.66%-19.5pp |
| Employer contribution / active EE | $845 | $671+25.8% | $1,041-18.8% | $2,757-69.4% |
| Participant deferral / active EE | $3,884 | $1,228+216.2% | $1,954+98.8% | $4,299-9.7% |
| Admin fee / account holder | $2,703 | $2,434+11.1% | $2,827-4.4% | $6,924-61.0% |