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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 | $101,491 | $29,051+249.4% | $52,425+93.6% | $67,986+49.3% |
| Participation rate | 29.2% | 30.4%-1.2pp | 55.6%-26.4pp | 57.2%-28.0pp |
| Annual return | 20.01% | 24.00%-4.0pp | 302.12%-282.1pp | 31.67%-11.7pp |
| Employer contribution / active EE | $1,075 | $412+161.1% | $914+17.6% | $2,019-46.7% |
| Participant deferral / active EE | $2,243 | $873+156.9% | $1,790+25.3% | $3,358-33.2% |
| Admin fee / account holder | $3,198 | $2,113+51.4% | $2,495+28.2% | $3,203-0.2% |