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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 | $51,966 | $28,624+81.5% | $53,647-3.1% | $82,637-37.1% |
| Participation rate | 48.5% | 47.3%+1.3pp | 56.3%-7.8pp | 68.1%-19.5pp |
| Annual return | 19.54% | 664.98%-645.4pp | 358.33%-338.8pp | 53.51%-34.0pp |
| Employer contribution / active EE | $478 | $637-24.9% | $962-50.3% | $2,552-81.3% |
| Participant deferral / active EE | $1,442 | $1,196+20.5% | $1,813-20.5% | $4,126-65.1% |
| Admin fee / account holder | $1,416 | $2,022-29.9% | $2,460-42.4% | $7,339-80.7% |