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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 | $31,624 | $41,151-23.2% | $80,648-60.8% | $71,529-55.8% |
| Participation rate | 56.8% | 50.2%+6.5pp | 67.0%-10.3pp | 67.9%-11.2pp |
| Annual return | 28.41% | 38.49%-10.1pp | 937.21%-908.8pp | 28.97%-0.6pp |
| Employer contribution / active EE | $1,380 | $1,513-8.8% | $2,724-49.3% | $2,590-46.7% |
| Participant deferral / active EE | $2,976 | $2,700+10.2% | $4,443-33.0% | $4,291-30.7% |
| Admin fee / account holder | $2,476 | $1,842+34.4% | $5,382-54.0% | $1,588+55.8% |