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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 | $109,566 | $34,316+219.3% | $74,723+46.6% | $72,976+50.1% |
| Participation rate | 28.9% | 42.4%-13.5pp | 54.5%-25.5pp | 69.5%-40.5pp |
| Annual return | 22.05% | 26.58%-4.5pp | 753.18%-731.1pp | 81.02%-59.0pp |
| Employer contribution / active EE | $885 | $692+27.9% | $1,084-18.4% | $2,440-63.7% |
| Participant deferral / active EE | $2,478 | $1,272+94.9% | $1,962+26.3% | $3,608-31.3% |
| Admin fee / account holder | $394 | $2,125-81.5% | $3,335-88.2% | $5,124-92.3% |