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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 | $76,856 | $39,036+96.9% | $80,784-4.9% | $85,851-10.5% |
| Participation rate | 28.9% | 41.6%-12.7pp | 54.2%-25.3pp | 69.3%-40.4pp |
| Annual return | 13.76% | 26.31%-12.6pp | 87.31%-73.6pp | 318.63%-304.9pp |
| Employer contribution / active EE | $644 | $722-10.8% | $1,160-44.5% | $2,565-74.9% |
| Participant deferral / active EE | $2,429 | $1,326+83.2% | $2,145+13.2% | $3,952-38.5% |
| Admin fee / account holder | $1,338 | $2,429-44.9% | $3,380-60.4% | $6,261-78.6% |