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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 | $35,422 | $108,685-67.4% | $74,719-52.6% | $152,885-76.8% |
| Participation rate | 68.2% | 65.3%+2.8pp | 54.5%+13.7pp | 82.5%-14.3pp |
| Annual return | 21.40% | 114.09%-92.7pp | 753.05%-731.7pp | 345.39%-324.0pp |
| Employer contribution / active EE | $2,876 | $1,504+91.2% | $1,084+165.3% | $4,763-39.6% |
| Participant deferral / active EE | $5,205 | $2,712+91.9% | $1,963+165.1% | $5,851-11.0% |
| Admin fee / account holder | $9,121 | $4,905+85.9% | $3,334+173.5% | $11,598-21.4% |