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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 | $41,053 | $89,367-54.1% | $141,191-70.9% | $72,975-43.7% |
| Participation rate | 68.6% | 75.1%-6.6pp | 82.5%-13.9pp | 69.5%-0.9pp |
| Annual return | 225.48% | 111.87%+113.6pp | 71.41%+154.1pp | 81.01%+144.5pp |
| Employer contribution / active EE | $952 | $3,115-69.4% | $4,736-79.9% | $2,440-61.0% |
| Participant deferral / active EE | $3,604 | $5,419-33.5% | $6,710-46.3% | $3,608-0.1% |
| Admin fee / account holder | $3,250 | $5,957-45.4% | $10,264-68.3% | $5,124-36.6% |