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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 | $58,063 | $45,126+28.7% | $85,187-31.8% | $74,459-22.0% |
| Participation rate | 34.6% | 49.4%-14.8pp | 67.5%-33.0pp | 67.2%-32.7pp |
| Annual return | 39.31% | 26.30%+13.0pp | 66.67%-27.4pp | 1369.70%-1330.4pp |
| Employer contribution / active EE | $1,369 | $1,460-6.2% | $2,732-49.9% | $2,626-47.9% |
| Participant deferral / active EE | $4,030 | $2,738+47.2% | $4,525-10.9% | $4,350-7.4% |
| Admin fee / account holder | $4,460 | $2,212+101.7% | $6,162-27.6% | $1,945+129.4% |