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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 | $36,493 | $41,150-11.3% | $80,627-54.7% | $71,511-49.0% |
| Participation rate | 57.1% | 50.3%+6.9pp | 67.0%-9.9pp | 67.9%-10.8pp |
| Annual return | 17.91% | 38.48%-20.6pp | 936.76%-918.8pp | 28.86%-10.9pp |
| Employer contribution / active EE | $1,514 | $1,515-0.1% | $2,723-44.4% | $2,589-41.5% |
| Participant deferral / active EE | $2,705 | $2,701+0.1% | $4,443-39.1% | $4,291-37.0% |
| Admin fee / account holder | $2,874 | $1,841+56.1% | $5,381-46.6% | $1,588+80.9% |