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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 | $73,264 | $108,285-32.3% | $77,552-5.5% | $158,982-53.9% |
| Participation rate | 16.7% | 64.4%-47.8pp | 54.2%-37.5pp | 82.0%-65.3pp |
| Annual return | 18.35% | 31.69%-13.3pp | 54.82%-36.5pp | 302.99%-284.6pp |
| Employer contribution / active EE | $465 | $1,325-64.9% | $987-52.9% | $4,763-90.2% |
| Participant deferral / active EE | $3,250 | $2,455+32.4% | $1,861+74.6% | $5,983-45.7% |
| Admin fee / account holder | $770 | $3,709-79.2% | $2,859-73.1% | $11,252-93.2% |