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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 | $55,246 | $28,624+93.0% | $53,647+3.0% | $82,637-33.1% |
| Participation rate | 43.8% | 47.3%-3.5pp | 56.3%-12.5pp | 68.1%-24.3pp |
| Annual return | 18.06% | 664.98%-646.9pp | 358.33%-340.3pp | 53.51%-35.4pp |
| Employer contribution / active EE | $1,036 | $637+62.8% | $962+7.7% | $2,552-59.4% |
| Participant deferral / active EE | $1,973 | $1,196+64.9% | $1,813+8.8% | $4,126-52.2% |
| Admin fee / account holder | $2,112 | $2,022+4.5% | $2,460-14.1% | $7,339-71.2% |