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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 | $81,406 | $31,105+161.7% | $53,647+51.7% | $64,097+27.0% |
| Participation rate | 31.4% | 30.7%+0.7pp | 56.3%-24.9pp | 55.2%-23.8pp |
| Annual return | 15.23% | 22.54%-7.3pp | 358.33%-343.1pp | 34.64%-19.4pp |
| Employer contribution / active EE | $610 | $441+38.5% | $962-36.6% | $1,891-67.7% |
| Participant deferral / active EE | $1,009 | $896+12.5% | $1,813-44.4% | $3,080-67.3% |
| Admin fee / account holder | $3,809 | $2,195+73.5% | $2,460+54.9% | $3,454+10.3% |