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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 | $21,647 | $58,726-63.1% | $142,898-84.9% | $85,851-74.8% |
| Participation rate | 64.3% | 58.5%+5.8pp | 72.0%-7.7pp | 69.3%-5.0pp |
| Annual return | 17.62% | 27.73%-10.1pp | 5639.64%-5622.0pp | 318.63%-301.0pp |
| Employer contribution / active EE | $1,490 | $1,424+4.6% | $4,146-64.1% | $2,565-41.9% |
| Participant deferral / active EE | $3,665 | $2,609+40.5% | $3,838-4.5% | $3,952-7.3% |
| Admin fee / account holder | $1,340 | $4,234-68.4% | $6,560-79.6% | $6,261-78.6% |