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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 | $31,604 | $168,635-81.3% | $147,617-78.6% | $125,389-74.8% |
| Participation rate | 40.0% | 88.8%-48.8pp | 84.6%-44.6pp | 83.2%-43.2pp |
| Annual return | -2.71% | 77.65%-80.4pp | 61.98%-64.7pp | 282.24%-285.0pp |
| Employer contribution / active EE | $1,727 | $6,252-72.4% | $5,564-69.0% | $4,866-64.5% |
| Participant deferral / active EE | $2,579 | $5,507-53.2% | $4,895-47.3% | $5,352-51.8% |
| Admin fee / account holder | $7,044 | $13,580-48.1% | $11,612-39.3% | $9,541-26.2% |