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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 | $64,110 | $67,823-5.5% | $52,425+22.3% | $137,256-53.3% |
| Participation rate | 23.8% | 63.9%-40.1pp | 55.6%-31.8pp | 80.0%-56.2pp |
| Annual return | 19.82% | 219.11%-199.3pp | 302.12%-282.3pp | 220.34%-200.5pp |
| Employer contribution / active EE | $653 | $1,163-43.8% | $914-28.6% | $4,156-84.3% |
| Participant deferral / active EE | $2,213 | $2,288-3.3% | $1,790+23.6% | $6,407-65.5% |
| Admin fee / account holder | $1,222 | $2,844-57.0% | $2,495-51.0% | $12,270-90.0% |