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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 | $32,947 | $53,063-37.9% | $124,206-73.5% | $82,637-60.1% |
| Participation rate | 64.1% | 58.4%+5.7pp | 69.6%-5.5pp | 68.1%-4.0pp |
| Annual return | 44.47% | 68.87%-24.4pp | 515.27%-470.8pp | 53.51%-9.0pp |
| Employer contribution / active EE | $1,200 | $1,530-21.6% | $3,540-66.1% | $2,552-53.0% |
| Participant deferral / active EE | $2,294 | $2,644-13.2% | $3,968-42.2% | $4,126-44.4% |
| Admin fee / account holder | $441 | $4,281-89.7% | $5,929-92.6% | $7,339-94.0% |