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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 | $42,701 | $29,319+45.6% | $52,425-18.5% | $82,448-48.2% |
| Participation rate | 36.6% | 46.9%-10.3pp | 55.6%-19.0pp | 68.1%-31.5pp |
| Annual return | 17.31% | 535.20%-517.9pp | 302.12%-284.8pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,246 | $586+112.5% | $914+36.3% | $2,551-51.1% |
| Participant deferral / active EE | $1,915 | $1,171+63.5% | $1,790+7.0% | $4,139-53.7% |
| Admin fee / account holder | $3,072 | $1,962+56.6% | $2,495+23.1% | $7,234-57.5% |