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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 | $89,251 | $48,432+84.3% | $121,210-26.4% | $71,529+24.8% |
| Participation rate | 62.6% | 54.3%+8.3pp | 69.5%-6.9pp | 67.9%-5.3pp |
| Annual return | 18.66% | 23.28%-4.6pp | 987.41%-968.8pp | 28.97%-10.3pp |
| Employer contribution / active EE | $732 | $1,493-51.0% | $4,171-82.4% | $2,590-71.7% |
| Participant deferral / active EE | $2,264 | $2,756-17.9% | $4,084-44.6% | $4,291-47.2% |
| Admin fee / account holder | $6,552 | $1,845+255.2% | $5,647+16.0% | $1,588+312.5% |