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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 | $58,241+9.9% | $81,780-21.7% | $80,911-20.9% |
| Participation rate | 43.1% | 63.4%-20.4pp | 72.4%-29.3pp | 67.6%-24.6pp |
| Annual return | 12.67% | 41.73%-29.1pp | 776.27%-763.6pp | 35.63%-23.0pp |
| Employer contribution / active EE | $1,084 | $2,343-53.7% | $2,914-62.8% | $2,756-60.7% |
| Participant deferral / active EE | $2,026 | $3,283-38.3% | $4,321-53.1% | $4,297-52.9% |
| Admin fee / account holder | $5,650 | $4,973+13.6% | $7,384-23.5% | $6,935-18.5% |