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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 | $47,799 | $25,014+91.1% | $69,460-31.2% | $80,911-40.9% |
| Participation rate | 23.2% | 64.2%-41.0pp | 66.4%-43.3pp | 67.6%-44.5pp |
| Annual return | 11.74% | 19.08%-7.3pp | 100.80%-89.1pp | 35.63%-23.9pp |
| Employer contribution / active EE | $1,091 | $991+10.1% | $1,714-36.4% | $2,756-60.4% |
| Participant deferral / active EE | $5,499 | $1,839+199.0% | $2,890+90.3% | $4,297+28.0% |
| Admin fee / account holder | $7,998 | $2,491+221.1% | $4,695+70.3% | $6,935+15.3% |