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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 | $49,340 | $30,421+62.2% | $56,077-12.0% | $74,429-33.7% |
| Participation rate | 31.3% | 32.9%-1.6pp | 52.5%-21.2pp | 67.2%-36.0pp |
| Annual return | 14.59% | 24.94%-10.3pp | 1709.28%-1694.7pp | 1368.38%-1353.8pp |
| Employer contribution / active EE | $1,271 | $610+108.4% | $1,040+22.1% | $2,625-51.6% |
| Participant deferral / active EE | $2,378 | $1,175+102.4% | $1,954+21.7% | $4,348-45.3% |
| Admin fee / account holder | $2,976 | $2,363+25.9% | $2,825+5.3% | $1,944+53.1% |