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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 | $53,308 | $88,117-39.5% | $164,928-67.7% | $74,400-28.3% |
| Participation rate | 68.5% | 73.1%-4.6pp | 78.6%-10.2pp | 67.2%+1.3pp |
| Annual return | 14.72% | 17.27%-2.5pp | 70.08%-55.4pp | 1367.51%-1352.8pp |
| Employer contribution / active EE | $1,152 | $2,596-55.6% | $4,343-73.5% | $2,624-56.1% |
| Participant deferral / active EE | $4,129 | $4,501-8.3% | $6,034-31.6% | $4,348-5.0% |
| Admin fee / account holder | $6,409 | $2,230+187.4% | $12,684-49.5% | $1,944+229.8% |