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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 | $25,528 | $65,364-60.9% | $92,909-72.5% | $72,975-65.0% |
| Participation rate | 64.5% | 68.3%-3.8pp | 76.0%-11.5pp | 69.5%-5.0pp |
| Annual return | 99.46% | 42.11%+57.4pp | 109.44%-10.0pp | 81.01%+18.5pp |
| Employer contribution / active EE | $2,180 | $2,594-16.0% | $3,653-40.3% | $2,440-10.7% |
| Participant deferral / active EE | $4,365 | $3,128+39.5% | $4,238+3.0% | $3,608+21.0% |
| Admin fee / account holder | $706 | $4,251-83.4% | $5,795-87.8% | $5,124-86.2% |