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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 | $46,719 | $60,504-22.8% | $81,882-42.9% | $74,478-37.3% |
| Participation rate | 63.5% | 62.9%+0.6pp | 72.4%-8.9pp | 67.2%-3.7pp |
| Annual return | 12.48% | 16.91%-4.4pp | 779.47%-767.0pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $479 | $2,627-81.8% | $2,916-83.6% | $2,626-81.8% |
| Participant deferral / active EE | $1,632 | $3,400-52.0% | $4,323-62.2% | $4,350-62.5% |
| Admin fee / account holder | $2,603 | $1,492+74.4% | $7,360-64.6% | $1,946+33.7% |