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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 | $60,962 | $29,319+107.9% | $52,425+16.3% | $82,448-26.1% |
| Participation rate | 47.8% | 46.9%+1.0pp | 55.6%-7.8pp | 68.1%-20.2pp |
| Annual return | 14.83% | 535.20%-520.4pp | 302.12%-287.3pp | 41.64%-26.8pp |
| Employer contribution / active EE | $2,204 | $586+275.9% | $914+141.1% | $2,551-13.6% |
| Participant deferral / active EE | $3,971 | $1,171+239.0% | $1,790+121.8% | $4,139-4.1% |
| Admin fee / account holder | $3,264 | $1,962+66.3% | $2,495+30.8% | $7,234-54.9% |