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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 | $35,378 | $58,828-39.9% | $78,002-54.6% | $62,881-43.7% |
| Participation rate | 57.7% | 71.1%-13.4pp | 75.5%-17.8pp | 69.3%-11.6pp |
| Annual return | 101.16% | 17.16%+84.0pp | 425.99%-324.8pp | 20.14%+81.0pp |
| Employer contribution / active EE | $2,798 | $1,672+67.4% | $2,470+13.3% | $2,281+22.7% |
| Participant deferral / active EE | $11,798 | $2,686+339.3% | $3,497+237.4% | $3,203+268.3% |
| Admin fee / account holder | $2,465 | $4,393-43.9% | $5,481-55.0% | $4,296-42.6% |