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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 | $78,755 | $29,319+168.6% | $52,425+50.2% | $82,448-4.5% |
| Participation rate | 53.8% | 46.9%+7.0pp | 55.6%-1.8pp | 68.1%-14.2pp |
| Annual return | 15.62% | 535.20%-519.6pp | 302.12%-286.5pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,575 | $586+168.5% | $914+72.2% | $2,551-38.3% |
| Participant deferral / active EE | $4,810 | $1,171+310.7% | $1,790+168.7% | $4,139+16.2% |
| Admin fee / account holder | $1,794 | $1,962-8.5% | $2,495-28.1% | $7,234-75.2% |