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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 | $51,090 | $65,566-22.1% | $86,235-40.8% | $75,177-32.0% |
| Participation rate | 60.9% | 60.5%+0.4pp | 69.0%-8.1pp | 67.2%-6.3pp |
| Annual return | 13.97% | 46.07%-32.1pp | 1170.03%-1156.1pp | 160.75%-146.8pp |
| Employer contribution / active EE | $987 | $1,553-36.4% | $2,381-58.5% | $2,671-63.0% |
| Participant deferral / active EE | $2,554 | $3,023-15.5% | $3,987-35.9% | $4,126-38.1% |
| Admin fee / account holder | $4,296 | $5,470-21.5% | $6,856-37.3% | $5,651-24.0% |