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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 | $29,051+180.2% | $52,425+55.3% | $67,986+19.7% |
| Participation rate | 31.4% | 30.4%+1.0pp | 55.6%-24.2pp | 57.2%-25.8pp |
| Annual return | 15.23% | 24.00%-8.8pp | 302.12%-286.9pp | 31.67%-16.4pp |
| Employer contribution / active EE | $610 | $412+48.2% | $914-33.2% | $2,019-69.8% |
| Participant deferral / active EE | $1,009 | $873+15.5% | $1,790-43.7% | $3,358-70.0% |
| Admin fee / account holder | $3,809 | $2,113+80.3% | $2,495+52.7% | $3,203+18.9% |