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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 | $56,119 | $29,051+93.2% | $52,425+7.0% | $67,986-17.5% |
| Participation rate | 43.3% | 30.4%+12.8pp | 55.6%-12.4pp | 57.2%-13.9pp |
| Annual return | 14.36% | 24.00%-9.6pp | 302.12%-287.8pp | 31.67%-17.3pp |
| Employer contribution / active EE | $976 | $412+137.1% | $914+6.8% | $2,019-51.6% |
| Participant deferral / active EE | $1,636 | $873+87.4% | $1,790-8.6% | $3,358-51.3% |
| Admin fee / account holder | $3,993 | $2,113+89.0% | $2,495+60.1% | $3,203+24.7% |