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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 | $64,125 | $63,346+1.2% | $92,240-30.5% | $70,126-8.6% |
| Participation rate | 40.8% | 68.7%-27.8pp | 76.5%-35.6pp | 69.5%-28.7pp |
| Annual return | 28.56% | 530.19%-501.6pp | 176.29%-147.7pp | 73.15%-44.6pp |
| Employer contribution / active EE | $1,841 | $2,471-25.5% | $3,680-50.0% | $2,343-21.4% |
| Participant deferral / active EE | $3,886 | $2,854+36.2% | $3,897-0.3% | $3,332+16.6% |
| Admin fee / account holder | $1,842 | $3,841-52.0% | $5,194-64.5% | $4,645-60.3% |