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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 | $65,391 | $67,823-3.6% | $52,425+24.7% | $137,256-52.4% |
| Participation rate | 45.8% | 63.9%-18.1pp | 55.6%-9.8pp | 80.0%-34.1pp |
| Annual return | 20.08% | 219.11%-199.0pp | 302.12%-282.0pp | 220.34%-200.3pp |
| Employer contribution / active EE | $1,197 | $1,163+2.9% | $914+30.9% | $4,156-71.2% |
| Participant deferral / active EE | $3,127 | $2,288+36.7% | $1,790+74.7% | $6,407-51.2% |
| Admin fee / account holder | $2,161 | $2,844-24.0% | $2,495-13.4% | $12,270-82.4% |