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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 | $75,030 | $59,467+26.2% | $93,727-19.9% | $74,478+0.7% |
| Participation rate | 28.6% | 59.6%-31.0pp | 68.7%-40.1pp | 67.2%-38.7pp |
| Annual return | 16.78% | 82.14%-65.4pp | 133.83%-117.0pp | 1370.56%-1353.8pp |
| Employer contribution / active EE | $1,768 | $1,267+39.6% | $2,421-27.0% | $2,626-32.7% |
| Participant deferral / active EE | $3,263 | $3,052+6.9% | $4,417-26.1% | $4,350-25.0% |
| Admin fee / account holder | $14,358 | $3,028+374.1% | $8,292+73.2% | $1,946+637.9% |