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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 | $49,762 | $31,105+60.0% | $53,647-7.2% | $64,097-22.4% |
| Participation rate | 29.9% | 30.7%-0.8pp | 56.3%-26.4pp | 55.2%-25.3pp |
| Annual return | 19.03% | 22.54%-3.5pp | 358.33%-339.3pp | 34.64%-15.6pp |
| Employer contribution / active EE | $763 | $441+73.2% | $962-20.7% | $1,891-59.7% |
| Participant deferral / active EE | $2,320 | $896+158.8% | $1,813+27.9% | $3,080-24.7% |
| Admin fee / account holder | $4,756 | $2,195+116.7% | $2,460+93.3% | $3,454+37.7% |