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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 | $58,038 | $30,421+90.8% | $56,077+3.5% | $74,429-22.0% |
| Participation rate | 29.7% | 32.9%-3.2pp | 52.5%-22.8pp | 67.2%-37.5pp |
| Annual return | 11.35% | 24.94%-13.6pp | 1709.28%-1697.9pp | 1368.38%-1357.0pp |
| Employer contribution / active EE | $572 | $610-6.2% | $1,040-45.0% | $2,625-78.2% |
| Participant deferral / active EE | $1,229 | $1,175+4.6% | $1,954-37.1% | $4,348-71.7% |
| Admin fee / account holder | $1,770 | $2,363-25.1% | $2,825-37.3% | $1,944-9.0% |