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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 | $135,657 | $67,823+100.0% | $52,425+158.8% | $137,256-1.2% |
| Participation rate | 29.4% | 63.9%-34.5pp | 55.6%-26.2pp | 80.0%-50.5pp |
| Annual return | 20.28% | 219.11%-198.8pp | 302.12%-281.8pp | 220.34%-200.1pp |
| Employer contribution / active EE | $617 | $1,163-46.9% | $914-32.5% | $4,156-85.1% |
| Participant deferral / active EE | $3,250 | $2,288+42.1% | $1,790+81.5% | $6,407-49.3% |
| Admin fee / account holder | $2,643 | $2,844-7.1% | $2,495+5.9% | $12,270-78.5% |