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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 | $60,945 | $51,736+17.8% | $120,225-49.3% | $67,986-10.4% |
| Participation rate | 24.6% | 46.1%-21.5pp | 69.6%-45.0pp | 57.2%-32.6pp |
| Annual return | 20.22% | 31.98%-11.8pp | 439.23%-419.0pp | 31.67%-11.4pp |
| Employer contribution / active EE | $995 | $1,071-7.1% | $3,475-71.4% | $2,019-50.7% |
| Participant deferral / active EE | $1,682 | $2,206-23.8% | $3,999-57.9% | $3,358-49.9% |
| Admin fee / account holder | $7,479 | $4,159+79.8% | $5,696+31.3% | $3,203+133.5% |