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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 | $47,134 | $28,624+64.7% | $53,647-12.1% | $82,637-43.0% |
| Participation rate | 60.5% | 47.3%+13.3pp | 56.3%+4.2pp | 68.1%-7.5pp |
| Annual return | 16.63% | 664.98%-648.3pp | 358.33%-341.7pp | 53.51%-36.9pp |
| Employer contribution / active EE | $529 | $637-17.0% | $962-45.1% | $2,552-79.3% |
| Participant deferral / active EE | $1,597 | $1,196+33.5% | $1,813-11.9% | $4,126-61.3% |
| Admin fee / account holder | $1,926 | $2,022-4.7% | $2,460-21.7% | $7,339-73.8% |