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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 | $48,994 | $41,151+19.1% | $80,648-39.2% | $71,529-31.5% |
| Participation rate | 57.5% | 50.2%+7.3pp | 67.0%-9.5pp | 67.9%-10.4pp |
| Annual return | 16.32% | 38.49%-22.2pp | 937.21%-920.9pp | 28.97%-12.7pp |
| Employer contribution / active EE | $1,637 | $1,513+8.2% | $2,724-39.9% | $2,590-36.8% |
| Participant deferral / active EE | $3,259 | $2,700+20.7% | $4,443-26.7% | $4,291-24.1% |
| Admin fee / account holder | $3,566 | $1,842+93.5% | $5,382-33.7% | $1,588+124.5% |