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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 | $54,952 | $29,716+84.9% | $56,077-2.0% | $80,925-32.1% |
| Participation rate | 59.2% | 41.7%+17.5pp | 52.5%+6.7pp | 67.7%-8.5pp |
| Annual return | 14.32% | 35.30%-21.0pp | 1709.28%-1695.0pp | 35.65%-21.3pp |
| Employer contribution / active EE | $896 | $671+33.6% | $1,040-13.8% | $2,756-67.5% |
| Participant deferral / active EE | $2,774 | $1,228+125.9% | $1,954+42.0% | $4,299-35.5% |
| Admin fee / account holder | $1,017 | $2,432-58.2% | $2,825-64.0% | $6,940-85.4% |