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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 | $68,664 | $67,823+1.2% | $52,425+31.0% | $137,256-50.0% |
| Participation rate | 21.7% | 63.9%-42.2pp | 55.6%-33.9pp | 80.0%-58.2pp |
| Annual return | 19.34% | 219.11%-199.8pp | 302.12%-282.8pp | 220.34%-201.0pp |
| Employer contribution / active EE | $855 | $1,163-26.5% | $914-6.5% | $4,156-79.4% |
| Participant deferral / active EE | $2,508 | $2,288+9.6% | $1,790+40.1% | $6,407-60.9% |
| Admin fee / account holder | $2,040 | $2,844-28.3% | $2,495-18.2% | $12,270-83.4% |