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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 | $48,916 | $63,346-22.8% | $92,240-47.0% | $70,126-30.2% |
| Participation rate | 58.1% | 68.7%-10.6pp | 76.5%-18.4pp | 69.5%-11.5pp |
| Annual return | 35.28% | 530.19%-494.9pp | 176.29%-141.0pp | 73.15%-37.9pp |
| Employer contribution / active EE | $1,433 | $2,471-42.0% | $3,680-61.0% | $2,343-38.8% |
| Participant deferral / active EE | $5,191 | $2,854+81.9% | $3,897+33.2% | $3,332+55.8% |
| Admin fee / account holder | $472 | $3,841-87.7% | $5,194-90.9% | $4,645-89.8% |