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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 | $79,312 | $34,316+131.1% | $74,723+6.1% | $72,976+8.7% |
| Participation rate | 36.7% | 42.4%-5.7pp | 54.5%-17.7pp | 69.5%-32.8pp |
| Annual return | 19.54% | 26.58%-7.0pp | 753.18%-733.6pp | 81.02%-61.5pp |
| Employer contribution / active EE | $1,042 | $692+50.6% | $1,084-3.9% | $2,440-57.3% |
| Participant deferral / active EE | $1,684 | $1,272+32.5% | $1,962-14.1% | $3,608-53.3% |
| Admin fee / account holder | $2,628 | $2,125+23.7% | $3,335-21.2% | $5,124-48.7% |