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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 | $64,300 | $29,319+119.3% | $52,425+22.7% | $82,448-22.0% |
| Participation rate | 22.2% | 46.9%-24.6pp | 55.6%-33.4pp | 68.1%-45.8pp |
| Annual return | 27.78% | 535.20%-507.4pp | 302.12%-274.3pp | 41.64%-13.9pp |
| Employer contribution / active EE | $534 | $586-9.0% | $914-41.6% | $2,551-79.1% |
| Participant deferral / active EE | $2,079 | $1,171+77.5% | $1,790+16.1% | $4,139-49.8% |
| Admin fee / account holder | $333 | $1,962-83.0% | $2,495-86.6% | $7,234-95.4% |