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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 | $94,522 | $76,519+23.5% | $56,025+68.7% | $145,897-35.2% |
| Participation rate | 35.0% | 63.2%-28.2pp | 52.5%-17.5pp | 80.3%-45.3pp |
| Annual return | 24.08% | 3017.03%-2992.9pp | 1712.69%-1688.6pp | 552.29%-528.2pp |
| Employer contribution / active EE | $593 | $1,383-57.1% | $1,042-43.1% | $4,663-87.3% |
| Participant deferral / active EE | $3,740 | $2,624+42.5% | $1,955+91.4% | $6,689-44.1% |
| Admin fee / account holder | $5,027 | $3,331+50.9% | $2,828+77.7% | $13,390-62.5% |