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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 | $75,596 | $29,733+154.2% | $56,025+34.9% | $80,959-6.6% |
| Participation rate | 33.7% | 41.7%-8.0pp | 52.5%-18.8pp | 67.7%-34.0pp |
| Annual return | 16.32% | 35.28%-19.0pp | 1712.69%-1696.4pp | 35.67%-19.4pp |
| Employer contribution / active EE | $1,234 | $672+83.7% | $1,042+18.5% | $2,757-55.2% |
| Participant deferral / active EE | $2,432 | $1,229+97.8% | $1,955+24.4% | $4,300-43.5% |
| Admin fee / account holder | $4,512 | $2,434+85.4% | $2,828+59.5% | $6,925-34.8% |