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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 | $75,674 | $76,785-1.4% | $56,441+34.1% | $145,959-48.2% |
| Participation rate | 41.7% | 63.2%-21.6pp | 52.5%-10.8pp | 80.3%-38.6pp |
| Annual return | 13.98% | 3000.51%-2986.5pp | 1704.21%-1690.2pp | 561.95%-548.0pp |
| Employer contribution / active EE | $987 | $1,381-28.5% | $1,039-5.0% | $4,661-78.8% |
| Participant deferral / active EE | $3,604 | $2,624+37.3% | $1,953+84.5% | $6,689-46.1% |
| Admin fee / account holder | $9,404 | $3,334+182.0% | $2,829+232.4% | $13,398-29.8% |