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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 | $44,014 | $29,051+51.5% | $52,425-16.0% | $67,986-35.3% |
| Participation rate | 38.8% | 30.4%+8.4pp | 55.6%-16.8pp | 57.2%-18.4pp |
| Annual return | 18.66% | 24.00%-5.3pp | 302.12%-283.5pp | 31.67%-13.0pp |
| Employer contribution / active EE | $1,463 | $412+255.3% | $914+60.0% | $2,019-27.5% |
| Participant deferral / active EE | $2,235 | $873+156.0% | $1,790+24.8% | $3,358-33.4% |
| Admin fee / account holder | $3,351 | $2,113+58.6% | $2,495+34.3% | $3,203+4.6% |