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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 | $73,476 | $29,051+152.9% | $52,425+40.2% | $67,986+8.1% |
| Participation rate | 33.1% | 30.4%+2.7pp | 55.6%-22.5pp | 57.2%-24.1pp |
| Annual return | 14.19% | 24.00%-9.8pp | 302.12%-287.9pp | 31.67%-17.5pp |
| Employer contribution / active EE | $128 | $412-68.9% | $914-86.0% | $2,019-93.7% |
| Participant deferral / active EE | $959 | $873+9.9% | $1,790-46.4% | $3,358-71.4% |
| Admin fee / account holder | $2,139 | $2,113+1.2% | $2,495-14.3% | $3,203-33.2% |