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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 | $58,247 | $54,558+6.8% | $76,051-23.4% | $74,400-21.7% |
| Participation rate | 46.2% | 60.3%-14.1pp | 69.1%-22.9pp | 67.2%-21.0pp |
| Annual return | 14.92% | 31.83%-16.9pp | 360.42%-345.5pp | 1367.51%-1352.6pp |
| Employer contribution / active EE | $3,345 | $1,778+88.2% | $2,690+24.4% | $2,624+27.5% |
| Participant deferral / active EE | $1,643 | $3,065-46.4% | $4,257-61.4% | $4,348-62.2% |
| Admin fee / account holder | $480 | $2,232-78.5% | $6,416-92.5% | $1,944-75.3% |