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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 | $95,491 | $67,823+40.8% | $52,425+82.1% | $137,256-30.4% |
| Participation rate | 34.8% | 63.9%-29.1pp | 55.6%-20.8pp | 80.0%-45.2pp |
| Annual return | 17.49% | 219.11%-201.6pp | 302.12%-284.6pp | 220.34%-202.8pp |
| Employer contribution / active EE | $747 | $1,163-35.7% | $914-18.2% | $4,156-82.0% |
| Participant deferral / active EE | $3,159 | $2,288+38.1% | $1,790+76.4% | $6,407-50.7% |
| Admin fee / account holder | $483 | $2,844-83.0% | $2,495-80.6% | $12,270-96.1% |