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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 | $107,424 | $27,943+284.4% | $58,507+83.6% | $75,177+42.9% |
| Participation rate | 35.1% | 38.8%-3.8pp | 50.9%-15.8pp | 67.2%-32.2pp |
| Annual return | 15.95% | 44.22%-28.3pp | 4252.32%-4236.4pp | 160.75%-144.8pp |
| Employer contribution / active EE | $833 | $670+24.3% | $1,053-20.9% | $2,671-68.8% |
| Participant deferral / active EE | $2,259 | $1,202+87.9% | $1,922+17.5% | $4,126-45.3% |
| Admin fee / account holder | $3,079 | $1,727+78.3% | $2,486+23.9% | $5,651-45.5% |