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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 | $53,339 | $29,319+81.9% | $52,425+1.7% | $82,448-35.3% |
| Participation rate | 29.3% | 46.9%-17.5pp | 55.6%-26.3pp | 68.1%-38.8pp |
| Annual return | 14.61% | 535.20%-520.6pp | 302.12%-287.5pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,033 | $586+76.2% | $914+13.0% | $2,551-59.5% |
| Participant deferral / active EE | $1,745 | $1,171+49.0% | $1,790-2.5% | $4,139-57.8% |
| Admin fee / account holder | $7,693 | $1,962+292.1% | $2,495+208.4% | $7,234+6.3% |