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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 | $64,024 | $58,275+9.9% | $81,844-21.8% | $80,935-20.9% |
| Participation rate | 43.1% | 63.5%-20.4pp | 72.4%-29.3pp | 67.7%-24.6pp |
| Annual return | 12.67% | 41.82%-29.1pp | 778.87%-766.2pp | 35.66%-23.0pp |
| Employer contribution / active EE | $1,084 | $2,346-53.8% | $2,916-62.8% | $2,757-60.7% |
| Participant deferral / active EE | $2,026 | $3,285-38.3% | $4,323-53.1% | $4,299-52.9% |
| Admin fee / account holder | $5,650 | $4,749+19.0% | $7,355-23.2% | $6,924-18.4% |