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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 | $66,573 | $65,423+1.8% | $98,477-32.4% | $85,856-22.5% |
| Participation rate | 32.2% | 65.0%-32.8pp | 73.3%-41.1pp | 69.3%-37.1pp |
| Annual return | 13.98% | 21.76%-7.8pp | 1493.59%-1479.6pp | 318.58%-304.6pp |
| Employer contribution / active EE | $1,730 | $2,168-20.2% | $2,961-41.6% | $2,565-32.6% |
| Participant deferral / active EE | $1,073 | $3,167-66.1% | $4,276-74.9% | $3,952-72.8% |
| Admin fee / account holder | $8,356 | $4,594+81.9% | $5,951+40.4% | $6,261+33.5% |