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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 | $30,509 | $96,678-68.4% | $86,640-64.8% | $139,466-78.1% |
| Participation rate | 55.6% | 74.4%-18.9pp | 71.7%-16.2pp | 80.3%-24.8pp |
| Annual return | 19.42% | 106.69%-87.3pp | 592.52%-573.1pp | 373.66%-354.2pp |
| Employer contribution / active EE | $1,485 | $3,265-54.5% | $3,024-50.9% | $4,754-68.8% |
| Participant deferral / active EE | $6,226 | $4,837+28.7% | $4,438+40.3% | $6,712-7.2% |
| Admin fee / account holder | $461 | $6,410-92.8% | $5,616-91.8% | $11,409-96.0% |