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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 | $42,641 | $78,607-45.8% | $105,624-59.6% | $74,478-42.7% |
| Participation rate | 35.4% | 72.8%-37.4pp | 75.3%-39.8pp | 67.2%-31.8pp |
| Annual return | 69.54% | 15.96%+53.6pp | 116.20%-46.7pp | 1370.56%-1301.0pp |
| Employer contribution / active EE | $1,477 | $2,523-41.5% | $3,168-53.4% | $2,626-43.8% |
| Participant deferral / active EE | $2,283 | $4,325-47.2% | $5,013-54.5% | $4,350-47.5% |
| Admin fee / account holder | $2,439 | $2,220+9.9% | $10,961-77.7% | $1,946+25.4% |